Back to Africa Check

Kenyans, do not be conned by this deceptive Facebook account offering loans on Facebook

IN SHORT: There are many Facebook accounts offering loans to users. But some are fake and ask for a “registration” or “unlocking” fee before the loan is “processed”. This is a major red flag.

The Facebook account Loan Cash appears to offer Kenyan Facebook users cash loans. All it requires is for users to type the word “loan” in the comment section of its posts.


A typical post from the account reads: “Kama unataka loan sai kuanzia 5k upto 50k andika neno loan,,,”

This mix of English and Swahili translates as: “If you want a loan now from KSh5,000 to KSh50,000, write the word ‘loan’ …”

The offer has been posted on a Facebook group with thousands of members here, here, here, here, here, here, here, here, here and here.

But is the Facebook account and the loan offers legit? We checked.

Fake Facebook account and offers

There are a number of signs that the account and the offers are fake.

The account's initial activities from July to December 2022 appear to be those of an ordinary Facebook user, featuring photos of an individual and possibly a real name. 

The account only started offering loans on 29 July 2023, posting loan offers across Facebook groups. This is a sign of a hacked Facebook account operating with a fake name.

The Facebook account tells users who comment on its posts to submit their cell phone numbers. We did so via direct message and asked for a loan. 

We were called and instructed to give KSh250 as “registration fee” as the only condition for receiving the loan. This is a clear sign the account is fake and the offers are a scam. 

Any account asking for a “registration” or “unlocking” fee before issuing a loan should be ignored. Genuine loan offers from legitimate financial institutions don’t require this.

For more help identifying social media scams, read our guide to Facebook scams and how to spot them.


Republish our content for free

We believe that everyone needs the facts.

You can republish the text of this article free of charge, both online and in print. However, we ask that you pay attention to these simple guidelines. In a nutshell:

1. Do not include images, as in most cases we do not own the copyright.

2. Please do not edit the article.

3. Make sure you credit "Africa Check" in the byline and don't forget to mention that the article was originally published on

For publishers: what to do if your post is rated false

A fact-checker has rated your Facebook or Instagram post as “false”, “altered”, “partly false” or “missing context”. This could have serious consequences. What do you do?

Click on our guide for the steps you should follow.

Publishers guide

Africa Check teams up with Facebook

Africa Check is a partner in Meta's third-party fact-checking programme to help stop the spread of false information on social media.

The content we rate as “false” will be downgraded on Facebook and Instagram. This means fewer people will see it.

You can also help identify false information on Facebook. This guide explains how.

Add new comment

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.
limit: 600 characters

Want to keep reading our fact-checks?

We will never charge you for verified, reliable information. Help us keep it that way by supporting our work.

Become a newsletter subscriber

Support independent fact-checking in Africa.