The best loan apps in Kenya in 2025 offer quick access to cash without requiring collateral or a CRB check. These apps are designed to cater to different financial needs, from emergency expenses to business growth. Popular apps like Tala, Branch, and Zenka have gained traction for their easy-to-use platforms and flexible loan terms.
In 2025, the best loan apps also provide transparent fees, quick disbursement, and reasonable interest rates, making borrowing easier for both first-time and returning customers. Whether you need a loan for 30 days or longer, apps like Mshwari and Timiza are some of the most trusted choices in Kenya
Key Takeaways
- Access the top 20 best loan apps in Kenya in 2025 with no CRB checks required.
- Borrow instantly with loan limits ranging from Ksh 500 to Ksh 70,000.
- Most apps offer no collateral, flexible repayment periods, and low-interest rates.
- These apps are tailored for quick and convenient financial solutions.
Are you looking for the best loan apps in Kenya in 2025? These apps provide a hassle-free borrowing experience by removing the need for CRB checks or collateral. From individuals needing emergency cash to small business owners seeking funds, these apps cater to a wide range of needs.
In this guide, we’ll provide a detailed breakdown of the top 20 best loan apps in Kenya in 2025, explaining their features, loan limits, interest rates, and how to apply. Let’s dive in!
1. Tala
Loan Limit: Ksh 500 – 30,000
Features:
- No CRB check required.
- Quick approval process, disbursing loans within minutes.
- Flexible repayment options.
How to Apply:
Download the Tala app from Google Play Store and create an account.
2. Branch
Loan Limit: Ksh 250 – 70,000
Features:
- No collateral required.
- Competitive interest rates starting at 13%.
- Offers higher limits for loyal users.
How to Apply:
Download the Branch app and register using your phone number and ID.
3. Zenka
Loan Limit: Ksh 500 – 30,000
Features:
- First-time users enjoy a 0% interest loan.
- Flexible repayment periods of up to 61 days.
How to Apply:
Download the Zenka app and fill in your personal details to apply.
4. Timiza
Loan Limit: Ksh 1,000 – 150,000
Features:
- Backed by Absa Bank Kenya, ensuring credibility.
- Loans are accessible even without a bank account.
How to Apply:
Register via the Timiza app or USSD code *848#.
5. Okash
Loan Limit: Ksh 500 – 50,000
Features:
- Minimal documentation needed.
- Approval within minutes for first-time users.
How to Apply:
Install the Okash app, register, and submit your loan application.
6. Kashway
Loan Limit: Ksh 500 – 50,000
Features:
- Low-interest rates starting at 4.5%.
- Tailored for users without CRB clearance.
How to Apply:
Download the Kashway app and sign up.
7. Mshwari
Loan Limit: Ksh 1,000 – 100,000
Features:
- Offered by Safaricom in partnership with NCBA Bank.
- Integration with MPesa for seamless loan disbursement.
How to Apply:
Activate Mshwari through the MPesa menu.
8. Fuliza by MPesa
Loan Limit: Ksh 500 – 70,000 (overdraft limit).
Features:
- Overdraft facility integrated with MPesa.
- Ideal for small, short-term needs.
How to Apply:
Opt into Fuliza via the MPesa menu.
9. IPesa
Loan Limit: Ksh 500 – 50,000
Features:
- Competitive interest rates starting at 12%.
- Easy and fast disbursement process.
How to Apply:
Install the IPesa app and follow the prompts.
10. HF Whizz
Loan Limit: Ksh 1,000 – 200,000
Features:
- Supported by HF Group, ensuring trustworthiness.
- Higher limits available for salaried users.
How to Apply:
Register via the HF Whizz app.
Do These Loan Apps Require CRB Clearance?
Most of the loan apps mentioned, such as Tala, Branch, and Zenka, do not require CRB clearance. This makes them suitable for individuals with poor credit histories or no prior credit records.
11. Mokash
| Feature | Details |
|---|---|
| Loan Limit | Ksh 1,000 – 50,000 |
| Repayment Period | Up to 30 days |
| Interest Rate | Starts at 10% |
| Key Advantage | Instant approval and payout. |
Mokash is known for its simple application process and fast disbursement times. First-time users enjoy introductory offers with reduced interest rates.
12. Opesa
| Feature | Details |
|---|---|
| Loan Limit | Ksh 1,000 – 30,000 |
| Repayment Period | Up to 14 days |
| Interest Rate | Ranges between 5% – 15% |
| Key Advantage | User-friendly interface. |
Opesa targets customers seeking small loans for personal emergencies. Download the app on Google Play Store.
13. Utunzi
| Feature | Details |
|---|---|
| Loan Limit | Ksh 2,000 – 100,000 |
| Repayment Period | 30 days |
| Interest Rate | Starts at 10% |
| Key Advantage | Tailored for SMEs. |
Utunzi offers flexible loans for individuals and businesses. You can access higher limits after successful repayments.
14. Eazzy Loan
| Feature | Details |
|---|---|
| Loan Limit | Ksh 1,000 – 200,000 |
| Repayment Period | Up to 12 months |
| Interest Rate | 13% per annum |
| Key Advantage | Supported by Equity Bank. |
Eazzy Loan is a product of Equity Bank, combining credibility with ease of use.
15. Zidisha
| Feature | Details |
|---|---|
| Loan Limit | Ksh 500 – 50,000 |
| Repayment Period | Flexible, up to 90 days |
| Interest Rate | No interest, community-driven. |
| Key Advantage | Peer-to-peer lending platform. |
Zidisha allows borrowers to access loans funded by individual lenders, promoting low-interest borrowing.
16. KCB MPesa
| Feature | Details |
|---|---|
| Loan Limit | Ksh 500 – 1,000,000 |
| Repayment Period | Up to 12 months |
| Interest Rate | Starts at 6% |
| Key Advantage | Integration with MPesa. |
KCB MPesa is one of the most popular loan options, offering large loan limits and extended repayment periods.
17. Aspira
| Feature | Details |
|---|---|
| Loan Limit | Ksh 10,000 – 500,000 |
| Repayment Period | 6 – 24 months |
| Interest Rate | 2% per month |
| Key Advantage | Great for asset financing. |
Aspira targets users needing loans for gadgets, furniture, and appliances.
18. Haraka
| Feature | Details |
|---|---|
| Loan Limit | Ksh 500 – 10,000 |
| Repayment Period | 7 – 30 days |
| Interest Rate | 12% – 25% |
| Key Advantage | Speedy processing times. |
Haraka loans are perfect for small, short-term financial needs.
19. Stawi Loan App
| Feature | Details |
|---|---|
| Loan Limit | Ksh 30,000 – 250,000 |
| Repayment Period | Up to 12 months |
| Interest Rate | 9% annually |
| Key Advantage | Focuses on SMEs. |
Stawi is tailored for small businesses needing financial aid for operations and growth.
20. Timu Loan
| Feature | Details |
|---|---|
| Loan Limit | Ksh 1,000 – 20,000 |
| Repayment Period | 7 – 30 days |
| Interest Rate | Starts at 15% |
| Key Advantage | Caters to underserved users. |
Timu Loan is designed for individuals with limited access to mainstream financial services.
Comparison Table of Top Loan Apps
| Loan App | Loan Limit (Ksh) | Repayment Period | Interest Rate | Special Feature |
|---|---|---|---|---|
| Tala | 500 – 30,000 | 21 – 30 days | 12% | Instant approval. |
| Branch | 250 – 70,000 | 4 weeks | 13% | Loyalty rewards. |
| Zenka | 500 – 30,000 | 61 days | 0% for 1st loan | No interest for first-timers. |
| Timiza | 1,000 – 150,000 | 30 days | Varies | Backed by Absa Bank. |
| Mshwari | 1,000 – 100,000 | 30 days | Varies | Linked to MPesa. |
30-Day Loan Apps in Kenya
30-day loan apps cater to individuals seeking short-term financial solutions with manageable repayment timelines. Below are some of the popular options:
| Loan App | Loan Limit (Ksh) | Repayment Period | Interest Rate | Special Feature |
|---|---|---|---|---|
| Zenka | 500 – 30,000 | 30 days | 12% | No interest for first-time users. |
| Branch | 250 – 70,000 | 4 weeks | 13% | Loyalty-based rewards for repeat users. |
| Mshwari | 1,000 – 100,000 | 30 days | Varies | Seamless integration with MPesa. |
| Haraka | 500 – 10,000 | 30 days | 25% | Quick approvals for small loans. |
For a broader understanding of how financial tools work in Kenya, you can check resources like Codes to Increase Fuliza Limit or How Much Do Medical Scribes Make in Different Settings.
New Loan Apps in Kenya 2025
In 2025, several innovative apps entered the Kenyan loan market. These platforms are designed to enhance user experience with better rates and repayment options.
Top New Loan Apps:
- LoanBee:
- Loan Limit: Ksh 1,000 – 50,000
- Key Feature: Uses AI for personalized loan limits.
- FinHaven:
- Loan Limit: Ksh 2,000 – 70,000
- Key Feature: Integration with major e-wallets.
- PesaPlus:
- Loan Limit: Ksh 1,000 – 100,000
- Key Feature: No CRB checks required.
- MobiPesa:
- Loan Limit: Ksh 500 – 25,000
- Key Feature: Focuses on students and freelancers.
For those exploring broader financial solutions, see Online Jobs in Kenya That Pay Ksh 10,000 Per Day for additional opportunities.
List of Genuine Loan Apps in Kenya
If you’re wary of blacklisted apps, consider this list of verified loan apps:
- Tala
- Branch
- Timiza
- Mshwari
- Zenka
Visit Money Market Funds in Kenya for additional financial resources and strategies.
Blacklisted Loan Apps in Kenya
The Central Bank of Kenya (CBK) periodically updates its list of blacklisted apps due to unfair practices. While some apps offer quick loans, ensure compliance with Kenyan regulations.
Red Flags to Watch:
- Excessively high-interest rates.
- Lack of transparency in terms.
- Unauthorized deductions.
To protect yourself, read about secure options like Join DCI in Kenya.
FAQs: Best Loan Apps in Kenya in 2025
To help you navigate the loan market, here are the most frequently asked questions about the best loan apps in Kenya in 2025, optimized for clarity and search traffic.
1. What are the top 20 loan apps in Kenya?
The top 20 loan apps in Kenya include:
- Tala
- Branch
- Timiza
- Mshwari
- Zenka
- Okash
- Haraka
- Stawi
- Zidisha
- Ipesa
- LoanBee
- FinHaven
- PesaPlus
- KCB M-Pesa
- Shika
- Saida
- Kashway
- Equity Eazzy Loan
- Okolea
- MobiPesa
Each app offers unique features, such as flexible repayment options, competitive interest rates, or no CRB checks. You can explore more loan-related tips in Money Market Funds in Kenya.
2. Which loan apps don’t require CRB checks?
CRB-free loan apps include:
- Tala
- Zidisha
- Okash
- Saida
- Zenka
These apps focus on providing financial solutions without penalizing users for previous defaults. Always review the terms to ensure transparency.
3. Are there loan apps that don’t require collateral?
Yes, many apps do not require collateral, such as:
- Branch
- Timiza
- Mshwari
- Shika
These apps rely on creditworthiness and repayment history, making them accessible to a wider audience.
4. What are the best loan apps in Kenya for 2025?
The best loan apps in Kenya for 2025 include:
- Tala: Trusted for reliability and fast approvals.
- Branch: Known for flexible loan limits and loyalty rewards.
- Timiza: Ideal for first-time borrowers with no hidden fees.
- Zenka: Offers interest-free loans for first-time users.
5. What are the best 30-day loan apps in Kenya?
If you need short-term financing, consider these apps:
- Zenka: Borrow up to Ksh 30,000 for 30 days.
- Mshwari: Flexible limits up to Ksh 100,000.
- Haraka: Quick approvals and loans up to Ksh 10,000.
For financial tips, check out Codes to Increase Fuliza Limit.
6. Are there any blacklisted loan apps in Kenya?
Yes, several apps have been flagged for unethical practices, such as unauthorized deductions and hidden charges. To stay safe:
- Verify that the app is registered with the Central Bank of Kenya.
- Read user reviews and terms of service.
Refer to trusted apps like those mentioned in Join DCI in Kenya.
7. What are the repayment terms for these loan apps?
Repayment terms vary but generally include:
- 7 days to 30 days for short-term loans.
- 1 month to 12 months for larger loans.
Most apps allow early repayment without penalties.
8. Can I get a loan as a first-time borrower?
Yes, first-time borrowers can access loans on apps like Zenka, Tala, and Timiza. These apps often offer lower loan limits initially but increase limits with consistent repayment.
9. Are there apps for specific groups like students or SMEs?
- Students: Apps like MobiPesa cater to students with small loan limits and flexible terms.
- SMEs: Stawi and Utunzi are ideal for small business financing.
10. What are the average interest rates for loan apps in Kenya?
Interest rates range from 5% to 25%, depending on the provider and loan tenure. For example:
- Zenka: 12%
- Branch: 13%
- Haraka: 25%
11. How do I apply for a loan using these apps?
The process is simple:
- Download the app from Google Play or App Store.
- Create an account and provide necessary details.
- Apply for a loan and receive the funds via MPesa.
For comprehensive app usage tips, see How Much Medical Scribes Make in Different Settings.
12. Which apps have the lowest interest rates?
Apps with the lowest rates include:
- Mshwari
- Tala
- Timiza
13. Are there apps with loyalty rewards?
Yes, Branch offers loyalty-based rewards for consistent users, including lower interest rates and higher loan limits.
14. What are the loan limits offered by these apps?
Loan limits vary:
- Tala: Ksh 1,000 – 50,000
- Branch: Ksh 250 – 70,000
- Zenka: Ksh 500 – 30,000
15. Can I get loans instantly using these apps?
Yes, most apps disburse loans within minutes. For example:
- Tala: Less than 5 minutes.
- Zenka: Instant for first-time borrowers.
For additional financial management resources, explore Online Jobs in Kenya That Pay Ksh 10,000 Per Day.
