Kenya
Update: 09/04/2026
12 Optional
Loan amount
From 1,500 KSH to 50,000 KSH
Loan term
91 to 365 days, including possible extensions
Interest rate
Up to 18% per year (about 0.05% per day)
Service fee
No upfront fees, no hidden charges
Eligibility
Kenyan residents aged 20+, with a smartphone
Disbursement
Same-day payout to bank account or M-Pesa
1996
0
Loan amount
From KES 6,000 - KES 50,000
Loan term
From 120 - 180 days
Interest rate
12% – 36% comprehensive annual rate
Service fee
One-time processing fee
Eligibility
Kenyan citizen, age 20–65, stable income
Loan disbursement
Receive money via M-Pesa account
2001
0
Loan amount
From 5,000 Ksh to 550,000 Ksh
Loan term
From 91 – 180 days
Interest rate
APR 15% – 20% (max 0.05% per day)
Service fee
No hidden fees; all costs shown upfront
Eligibility
Valid ID and active bank account required
Disbursement
Funds sent directly to your bank account
2002
0
Loan amount
From 500 Ksh to 50,000 Ksh
Loan term
From 91 days up to 180 days
Interest rate
APR ranging from 36% to 72%
Service fee
Service fee is 100 (free).
Eligibility
Borrowers must be at least 18 years old
Loan disbursement
Fast disbursement via M-Pesa after approval
1995
0
Loan amount
From 3,500 KES to 18,000 KES
Loan term
From 120 to 180 days (4–6 months)
Interest rate
Annual APR from 73% to 93%
Fees
No hidden fees
Eligibility
Kenya residents, 18+, valid ID
Repayment
Bank transfer
1997
0
Loan amoun
KES 5,000 - KES 5,000.00
Loan term
From 91 to 360 days
Fire Loan interest rate
Maximum annual interest rate of 24%
Loan service fees
KES 800
Registration requirements
I am a Kenyan citizen
Payment support
M-PESA
2010
0
Loan amoun
Ksh 1,000 - Ksh 60,000
Loan term
91 - 360 days
Fire Loan interest rate
(APR): 18% - 36%
Loan service fees
Ksh 1000
Registration requirements
18 years old
Payment support
Online payment
2015
0
Loan amoun
KSh 1,000 - KSh 100,000
Loan term
61 days - 122 days
Fire Loan interest rate
30%
Loan service fees
They take about 2.1% of the account
Registration requirements
Just be Kenyan
Payment support
Online payment or M-PESA
2029
0
Loan amoun
KES 2.000 to KES 90,000
Loan term
91 to 210 days
Fire Loan interest rate
(APR) up to 19%
Loan service fees
Free for first-time borrowers
Registration requirements
You just need to be 18 years old
Payment support
Payment via registered bank account
2027
0
Loan Amount
Credit limit from 6,000 KSH to 40,000 KSH
Loan Duration
Flexible repayment period from 100 days to 300 days
Interest Rate
Annual interest rate ranging from 13% to 29%
Service Fee
No fixed service fee disclosed
Eligibility Requirements
Kenyan citizens aged 18 years and above
Repayment Support
Flexible repayment options; full repayment allowed anytime
2041
0
Loan Amount
Up to 50,000 KES
Loan Term
From 3 - 60 months
Interest Rate
Up to 24% per year
Service Fees
May apply, shown in the app
Eligibility
18+, valid Kenya ID, M-PESA
Repayment & Disbursement
Via M-PESA
2061
0
Loan Amount
From KSh 500 – 150,000
Loan Term
From 61 – 180 days
Interest Rate
APR 36.5%, approx - 103.5% per year
Service Fees
0 KSh (no processing fees)
Eligibility
Kenyan citizens with valid ID and M-Pesa
Repayment Support
Easy repayment via M-Pesa
2043
0
Top Best Loan Apps
All
0
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Loan AmountFrom 5,000 Ksh to 500,000 Ksh
-
Loan TermFlexible from 91 days to 180 days
-
Interest RateAPR from 16% to 34%
-
Service FeesTransparent fees with no hidden charges
-
Eligibility RequirementsKenyan citizens aged 18 to 55
-
Repayment SupportEasy repayment via M-Pesa
0
-
Loan amountFrom 1,500 KSH to 50,000 KSH
-
Loan term91 to 365 days, including possible extensions
-
Interest rateUp to 18% per year (about 0.05% per day)
-
Service feeNo upfront fees, no hidden charges
-
EligibilityKenyan residents aged 20+, with a smartphone
-
DisbursementSame-day payout to bank account or M-Pesa
0
-
Loan amountFrom KES 6,000 - KES 50,000
-
Loan termFrom 120 - 180 days
-
Interest rate12% – 36% comprehensive annual rate
-
Service feeOne-time processing fee
-
EligibilityKenyan citizen, age 20–65, stable income
-
Loan disbursementReceive money via M-Pesa account
0
-
Loan amountFrom 5,000 Ksh to 550,000 Ksh
-
Loan termFrom 91 – 180 days
-
Interest rateAPR 15% – 20% (max 0.05% per day)
-
Service feeNo hidden fees; all costs shown upfront
-
EligibilityValid ID and active bank account required
-
DisbursementFunds sent directly to your bank account