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Digital Lenders

Quick mobile loans accessible via your phone. Compare rates from M-Pesa, Airtel, and more.

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9 providers
Tala
Mobile Loan
Interest: 7% – 19%
Amount: KES 500 – KES 50,000
Term: 21–30 days
Requirements: National ID, M-Pesa number, active app
✓ CBK licensed ✓ Fast approval ✓ Flexible terms
Rating: ★★★★☆
Branch
Mobile Loan
Interest: 10% – 20%
Amount: KES 250 – KES 100,000
Term: 30–60 days
Requirements: National ID, M-Pesa, app install
✓ CBK licensed ✓ Builds credit limit ✓ No paperwork
Rating: ★★★★☆
Zenka
Mobile Loan
Interest: 9% – 29%
Amount: KES 500 – KES 30,000
Term: 30 days
Requirements: National ID, M-Pesa number
✓ CBK licensed ✓ First loan free offers ✓ Flexible extensions
Rating: ★★★★☆
Timiza (Absa)
Mobile Loan
Interest: 6.17%
Amount: KES 1,000 – KES 150,000
Term: 30 days
Requirements: National ID, M-Pesa number
✓ CBK licensed ✓ Low interest ✓ Absa backed
Rating: ★★★★☆
KCB M-Pesa
Mobile Loan
Interest: 8.9%
Amount: KES 1,000 – KES 300,000
Term: 30 days
Requirements: National ID, M-Pesa number
✓ CBK licensed ✓ Inside M-PESA menu ✓ Instant disbursement
Rating: ★★★★☆
M-Shwari (NCBA)
Mobile Loan
Interest: 7.5%
Amount: KES 100 – KES 50,000
Term: 30 days
Requirements: National ID, M-Pesa number
✓ CBK licensed ✓ Savings + loans ✓ NCBA backed
Rating: ★★★★☆
Fuliza (NCBA)
Overdraft
Interest: 1% per day
Amount: KES 100 – KES 70,000
Term: Daily
Requirements: National ID, M-Pesa number
✓ CBK licensed ✓ Completes M-PESA payments ✓ Daily fee model
Rating: ★★★★☆
Eazzy Loan (Equity)
Mobile Loan
Interest: 13%
Amount: KES 1,000 – KES 300,000
Term: 30 days
Requirements: National ID, Equitel or M-Pesa
✓ CBK licensed ✓ Equity backed ✓ Instant approval
Rating: ★★★★☆
Hustler Fund
Government Loan
Interest: 8%
Amount: KES 500 – KES 50,000
Term: 14 days
Requirements: National ID, M-Pesa number
✓ Government scheme ✓ No hidden fees ✓ Low interest
Rating: ★★★★☆
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