Eazzy Loan app

In Kenya, where financial preparedness for emergencies remains a challenge for many, the emergence of loan applications has been a game-changer. According to a report by Enwealth Financial Services and Strathmore University Social Security study group, only 24% of Kenyans save for emergencies, leaving a significant portion of the population vulnerable to unexpected expenses. Traditional banks and financial institutions often pose accessibility hurdles for these individuals. However, with over 66 million active mobile subscriptions reported by the Communications Authority of Kenya in March 2023, mobile loan apps have become a lifeline for those in need of quick cash.

The ease of access offered by mobile loan apps has made them increasingly popular among Kenyans. Unlike traditional lenders, these apps provide a seamless borrowing experience, catering to individuals from diverse financial backgrounds. With the majority of Kenyans owning mobile phones, these apps offer a convenient solution to address immediate financial needs. Whether it’s covering medical bills, car repairs, or other unforeseen expenses, borrowers can access instant loans with just a few taps on their smartphones.

The plethora of options available in the mobile lending space can be overwhelming. However, with the right guidance, borrowers can navigate through the sea of loan apps to find the one that best suits their needs. By comparing features, interest rates, and repayment terms, individuals can make informed decisions to secure real money when it matters most. In 2024, the landscape of mobile loan apps in Kenya continues to evolve, providing genuine solutions for those seeking financial assistance during emergencies.

Tala App – The Best Option

Tala stands out as the premier loan app in Kenya, primarily due to its exceptionally low-interest charges starting from 0.3% per day. This competitive rate makes it an attractive option for borrowers seeking affordable credit solutions. What sets Tala apart is its commitment to accessibility, offering instant cash disbursement without stringent background checks on credit history. For individuals with poor credit scores, Tala provides a lifeline with loans ranging from Ksh1000 to Ksh2000, with the potential for borrowing limits to increase up to Ksh50,000 through timely repayments.

Moreover, Tala distinguishes itself by its transparent fee structure. With no origination or prepayment fees, borrowers can navigate their repayment journey without worrying about hidden costs. However, it’s crucial to note that defaulting or late repayments can result in blacklisting and the subsequent cancellation of borrowing privileges. Founded by Shivani Siroya in 2011 and launched in Kenya in 2014, Tala has solidified its position as one of the country’s best and oldest mobile loan applications.

Tala’s reputation for reliability and efficiency precedes it. Formerly known as Mkopo Rahisi, the app underwent rebranding to Tala, reflecting its evolution and commitment to providing seamless financial solutions. With operations spanning across the Philippines, India, Kenya, and Mexico, Tala has garnered trust and recognition as a leading instant loan provider. Boasting a loan disbursement process through M-Pesa, Tala prides itself on its swift service, often disbursing loans in less than five minutes. By consistently honoring timely repayments, borrowers can not only access quick cash but also build their creditworthiness, unlocking higher borrowing limits for future financial needs.

Branch Loan App – Best for huge Loan

Branch Loan emerges as a pioneering force in Kenya’s mobile lending landscape, introduced to the market in 2015 by Branch International. As the second oldest online mobile lending platform in Kenya after Tala, Branch has garnered a substantial user base, offering loans of up to KES 70,000 to borrowers in Kenya, Tanzania, and Nigeria. Its widespread availability underscores its reputation as a trusted financial solution provider across multiple countries.

Getting started with Branch App is straightforward and hassle-free. Users can easily download the app from Google Play, sign up using their Facebook account, and quickly determine their eligibility for a loan. If approved, funds are seamlessly disbursed through M-Pesa, ensuring swift access to financial assistance when needed most. Branch prides itself on its accessibility, positioning itself as a digital bank where anyone can borrow money, with loan amounts reaching as high as Ksh300,000, making it an ideal option for those seeking to finance significant expenses such as vehicle repairs, home improvements, or medical bills.

One of Branch’s standout features is its competitive interest rates, ranging from 1.7% to 17.6% per month, which are comparatively lower in the market. This rate flexibility depends on various factors, including borrowers’ repayment behavior. Moreover, Branch offers a flexible loan term ranging from 9 to 52 weeks, allowing borrowers to tailor their repayment schedules according to their financial circumstances. Beyond lending, Branch also provides innovative budgeting and savings tools, including high-yielding savings products such as Flexi Savings and Target Savings, with interest rates of 9% and 15% per annum, respectively. This comprehensive approach positions Branch as not only a lender but also a financial partner committed to empowering users to achieve their financial goals.

Timiza Loan App

Timiza emerges as a versatile financial tool in Kenya’s mobile lending landscape, offering a wide array of services beyond traditional loans. Developed by Absa Bank, formerly known as Barclays Bank Kenya, Timiza stands out by allowing users to pay bills, make insurance payments, and top up airtime, in addition to providing loans of up to Ksh150,000. This multifunctional approach caters to diverse financial needs, enhancing convenience and accessibility for users across the country.

Accessible through mobile applications on various app marketplaces or by dialing *848# on any phone, Timiza extends its reach to all Kenyans, irrespective of their banking affiliations. This inclusivity sets Timiza apart from other apps offered by traditional banks, making its services available to a broader segment of the population. Moreover, Timiza’s affiliation with Absa Bank ensures a reliable and secure financial platform for users to manage their finances efficiently.

With a competitive monthly interest rate of 1.56% and a 5% origination fee, Timiza offers transparent and affordable borrowing options for its users. The repayment period for Timiza loans is set at 30 days, providing borrowers with a manageable timeframe to fulfill their financial obligations. However, in the event of missed payments, Timiza offers flexibility by extending the loan term by one month, albeit with a 5% charge calculated from the outstanding balance. This customer-centric approach prioritizes user convenience while maintaining fairness in loan terms and conditions.

Beyond its lending services, Timiza serves as a comprehensive financial hub, allowing users to manage their accounts seamlessly. By integrating banking functionalities within the app, Timiza offers users a holistic financial management solution, further solidifying its position as a leading mobile money app in Kenya.

Zenka Loan App

Zenka Loan App emerges as a flexible and customer-centric solution within Kenya’s lending landscape, offering borrowing options ranging from Ksh500 to Ksh80,000. With an attractive interest rate spanning from 9% to 39% and a generous repayment term of up to 61 days, Zenka provides borrowers with competitive and manageable loan terms. Notably, first-time customers enjoy the benefit of interest-free loan limits when repaid within five days, enhancing accessibility and affordability for new users.

Flexibility is a cornerstone of Zenka’s approach to lending, evident in its unique features such as ZenkaFlexi, which allows borrowers to repay their loans in two installments within a single term or opt for an extended repayment period of up to 12 months. Additionally, borrowers can apply for additional loan amounts provided their active loan remains below the credit limit, further enhancing flexibility and convenience in managing financial needs.

In the event of delayed repayments, Zenka imposes a reasonable penalty rate of 1% on the outstanding loan balance, encouraging borrowers to honor their financial obligations promptly. By prioritizing timely repayments, users can improve their credit viability and potentially increase their loan limits over time, fostering a positive borrowing experience with Zenka.

Founded in 2018 by Polish investors Loukas Notopoulos and Krzysztof Łodykowski, Zenka operates under Zenka Digital Limited (Zenka Finance), solidifying its reputation as a reliable and trustworthy lending platform. With its first loan free offer and subsequent loans starting at Ksh500 and going up to Ksh20,000, Zenka remains a preferred choice among Kenyan borrowers. Transparent fee structures and zero hidden costs further contribute to its appeal, ensuring that users are fully informed about the expenses associated with their loans upfront.

While Zenka prides itself on its customer-friendly approach, eligibility criteria are stringent, requiring applicants to possess a good credit score and a history of impeccable repayment. However, for eligible users, Zenka offers additional benefits through its loyalty program, incentivizing referrals with rewards such as discounts on loan fees and interest rates. Overall, Zenka stands out as a reliable and innovative loan app, committed to empowering users with accessible and transparent financial solutions tailored to their needs.


LendPlus, a leading fintech company in Kenya, offers personalized loan solutions ranging from Ksh500 to Ksh30,000, catering to the diverse financial needs of its users. With flexible repayment terms spanning from five to thirty days and a daily interest rate of 2%, LendPlus ensures accessibility and convenience for borrowers facing emergency expenses. While the interest rate may appear relatively high, LendPlus provides the option to extend loan tenure, provided borrowers settle the accrued interest on the borrowed amount, granting additional flexibility in managing repayments.

A standout feature of LendPlus is its commitment to transparency and affordability. Unlike some lending platforms, LendPlus imposes no origination or processing fees, eliminating additional costs for borrowers and streamlining the loan application process. This transparent fee structure enhances the accessibility of emergency funds, enabling users to address financial challenges without unnecessary financial burdens.

Operated by Aventus Technology Limited, a subsidiary of Aventus Group, LendPlus benefits from the expertise and resources of its parent company, ensuring reliability and stability in its operations. Aventus Group, led by CEO Andrejus Trofimovas, is a prominent Lithuanian investment company with a solid track record in the fintech sector. Notably, Andrejus Trofimovas has emerged as the principal shareholder of LendPlus following the acquisition of shares from his brother Igoris Trofimovas in 2022, underscoring his commitment to driving the company’s growth and success in the Kenyan market.

Overall, LendPlus stands out as a trusted and innovative loan app, dedicated to providing accessible and transparent financial solutions to its users. With its user-friendly interface, competitive interest rates, and fee-free borrowing experience, LendPlus continues to empower individuals across Kenya to navigate financial challenges with confidence and ease.

Zash Loan App

Zash Loan app, operated by Zillions Credit Limited Company, emerges as a reliable consumer lending platform in Kenya, offering personal loans ranging from Ksh500 to Ksh50,000 with minimal credit score requirements. Renowned for its commitment to providing emergency loans, Zash sets itself apart with a competitive 1% daily interest rate, making it a top choice for borrowers in need of quick and affordable financial assistance. As one of the best loan apps in Kenya, Zash employs innovative strategies such as redeemable coupons to enhance the borrowing experience for its users.

Notably, Zash stands out in the low fees category, thanks to its unique discount marketing approach. By offering redeemable coupons that boost loan limits during applications and reduce loan figures during repayment, Zash incentivizes responsible borrowing behavior while minimizing costs for its users. This customer-centric approach reflects Zash’s dedication to providing transparent and cost-effective financial solutions tailored to the needs of its clientele.

In instances where borrowers encounter difficulties in meeting repayment deadlines, Zash demonstrates flexibility by offering grace periods for loan extensions. During this period, no interest accrues on the outstanding loan amount, providing borrowers with breathing room to manage their financial obligations effectively. However, it’s essential for borrowers to communicate with the creditor to arrange for extensions, as defaulting without prior notice incurs penalty fees.

While Zash prioritizes accessibility and affordability, borrowers must remain vigilant about adhering to repayment schedules to avoid additional fees. Defaulting on Zash loans without communication triggers penalty fees, starting at 2% on unpaid amounts for the first 15 days after the due date, escalating to 3% thereafter. By fostering open communication and providing flexible repayment options, Zash endeavors to empower individuals in Kenya to navigate financial challenges with confidence and ease.

Patron Loan App

Patron stands out as a premier lender app catering to individuals with bad credit, offering small loan amounts to cover minor expenses. With Patron’s cash advance app, borrowers can access loans ranging from Ksh500 to Ksh7,000 at a competitive interest rate of 1% per day. This accessibility to quick funds makes Patron an ideal choice for individuals facing urgent financial needs, providing a lifeline for those with limited borrowing options due to poor credit history.

What sets Patron apart is its fair and flexible repayment terms, offering a 60-day duration for short-term funding needs and extending to 90 days for long-term loans. This extended repayment period affords borrowers ample time to manage their financial obligations without undue pressure, enhancing the borrower experience. Moreover, with instant loan deposits to M-Pesa, Patron ensures swift access to funds, further solidifying its position as a top pick for individuals in need of timely financial assistance.

Owned by Russian businessman Mikhail Lyapin, Patron’s leadership brings a wealth of cloud technology expertise to the lending landscape. Hailing from Murmansk, the world’s largest city beyond the Arctic Circle, Mikhail Lyapin’s stewardship underscores Patron’s commitment to leveraging technology to streamline lending processes and provide efficient and reliable financial solutions to its users in Kenya.

KCB M-Pesa

KCB M-Pesa stands as a pioneering solution in Kenya’s mobile lending landscape, representing a collaborative effort between Safaricom and KCB Bank to provide accessible financial services to M-Pesa users. Leveraging the widespread adoption of M-Pesa, KCB M-Pesa offers a seamless borrowing experience to registered users without the need for additional app downloads or installations. With the platform integrated directly into the M-Pesa menu, borrowers can conveniently access loans by simply navigating to the KCB M-Pesa tab under loans and savings, eliminating the hassle of registration or providing additional details.

The simplicity and accessibility of KCB M-Pesa make it a preferred choice among M-Pesa users seeking quick and convenient loan options. Borrowers can effortlessly select their desired loan amount within their predetermined loan limit, and upon approval, the loan amount is swiftly disbursed to their M-Pesa accounts. This streamlined process ensures that borrowers can access funds promptly to address their financial needs, whether for emergencies, personal expenses, or business investments.

As a result of its user-friendly interface and integration with the widely used M-Pesa platform, KCB M-Pesa has earned its place among the best online M-Pesa loan providers in Kenya. Its innovative approach to mobile lending not only enhances accessibility but also contributes to financial inclusion by providing convenient borrowing solutions to a broad spectrum of M-Pesa users across the country. By leveraging the power of digital technology and mobile money, KCB M-Pesa continues to set the standard for accessible and efficient financial services in Kenya’s dynamic financial landscape.


Mshwari, a collaborative effort between Safaricom and NCBA Bank, represents a groundbreaking solution in Kenya’s mobile lending arena. Operating on the concept of saving to access loans, Mshwari offers users a unique borrowing experience tied to their savings behavior. By leveraging their M-PESA accounts and actively saving on M-Shwari, users can gradually increase their loan limits based on their savings history and repayment performance. This innovative approach not only encourages responsible financial habits but also rewards users with greater access to credit over time.

To qualify for a Mshwari loan, users must meet certain eligibility criteria, including being an M-PESA subscriber for at least six months, actively saving on M-Shwari, and regularly utilizing other Safaricom services such as voice, data, and M-PESA. This holistic approach to eligibility ensures that Mshwari loans are accessible to individuals who demonstrate a commitment to using Safaricom’s ecosystem of services, fostering a sense of financial inclusion and empowerment among users.

Mshwari’s integration with the widely popular M-PESA platform makes it a convenient and accessible option for users seeking mobile loans. By offering loans based on savings behavior and leveraging existing usage patterns within the Safaricom ecosystem, Mshwari demonstrates Safaricom’s commitment to providing innovative financial solutions tailored to the needs of its customers. As a result, Mshwari has become a trusted and widely used mobile lending platform, contributing to the financial well-being and empowerment of individuals across Kenya.

 MCo-op cash

MCo-op Cash, offered by the Co-operative Bank of Kenya, emerges as a versatile mobile application that provides customers with convenient access to a wide range of banking services, including emergency loans. Designed to cater specifically to Co-operative Bank customers, MCo-op Cash enables users to perform various banking transactions seamlessly from their mobile devices. From checking account balances to transferring funds between accounts and to external platforms such as M-Pesa and Airtel Money, MCo-op Cash empowers users with comprehensive control over their finances.

One of the standout features of MCo-op Cash is its ability to provide emergency loans to eligible customers. Through the app, users can apply for loans of up to 200,000 shillings, equivalent to 1.5 times their net salary. This feature comes in handy during unexpected financial needs, allowing users to access funds quickly and conveniently without the need to visit a physical bank branch or undergo lengthy application processes.

Moreover, MCo-op Cash offers additional functionalities such as purchasing airtime directly from the app, further enhancing its utility for users. By integrating various banking and telecommunications services into a single platform, MCo-op Cash simplifies the financial management experience for Co-operative Bank customers, providing a one-stop solution for their banking needs. With its user-friendly interface and comprehensive feature set, MCo-op Cash has become an indispensable tool for individuals seeking convenient and accessible banking services on the go.

Fuliza by Safaricom

Fuliza, a collaborative effort between Safaricom and NCBA Bank, stands as a pioneering solution in Kenya’s mobile lending sector, offering an overdraft facility to M-PESA users in partnership with NCBA Bank. Similar to Mshwari, Fuliza provides users with access to loans beyond their existing loan limits, allowing them to cover transactions even when their M-PESA account balance is insufficient. This overdraft feature ensures that users can seamlessly complete transactions and access funds when needed, without the inconvenience of declined transactions due to insufficient funds.

The Fuliza overdraft facility is particularly useful in situations where users need to send money or make payments but do not have enough funds in their M-PESA account. In such cases, Fuliza offers users the option to accept the overdraft facility, enabling them to complete the transaction successfully. The remaining balance is then sent to their M-PESA account, ensuring that users can carry out their financial transactions without interruption.

By partnering with NCBA Bank, Safaricom has expanded the reach of its mobile lending services, providing users with greater flexibility and convenience in managing their finances. Fuliza’s seamless integration with the M-PESA platform and its ability to provide instant overdraft facilities make it a valuable tool for M-PESA users, offering peace of mind and ensuring uninterrupted access to financial services. As a result, Fuliza has become a popular choice among Kenyan consumers seeking quick and convenient solutions to their short-term financing needs.

HF Whizz Loan App

HF Whizz transcends being just a lending app by offering a comprehensive suite of digital financial services designed to meet the diverse needs of users. In addition to providing lending facilities, HF Whizz facilitates various digital transactions, including direct payment for goods from users’ HF accounts, money transfers, savings management within the app, purchasing airtime, and more. This multifunctional approach makes HF Whizz a versatile tool for users to conduct a wide range of financial activities conveniently from their mobile devices, streamlining their digital banking experience.

Applying for a loan through HF Whizz is a straightforward process, further enhancing its appeal as an all-in-one financial solution. With the ability to seamlessly navigate within the app, users can access the loan application feature and submit their requests efficiently. By integrating lending services with a comprehensive suite of digital financial tools, HF Whizz empowers users to manage their finances effectively, providing a convenient and user-friendly platform for their financial transactions and lending needs.

Okash Loan App

Developed by Opera Software, Okash emerges as a prominent player in Kenya’s burgeoning money lending sector, aimed at meeting the growing demand for accessible financial solutions. With an initial target of providing loans to at least 100,000 Kenyans, Okash quickly gained traction and established itself as one of the country’s most popular lending apps. Leveraging Opera Software’s expertise and technology, Okash offers users a convenient platform to access quick and hassle-free loans to address their financial needs.

As one of Kenya’s leading lending apps, Okash has garnered widespread popularity for its user-friendly interface, transparent lending terms, and efficient loan processing. Through Okash, users can easily apply for loans, receive quick approvals, and access funds promptly to meet their urgent financial requirements. With its commitment to providing accessible and reliable financial solutions, Okash continues to empower individuals across Kenya to navigate financial challenges with confidence and ease.

Eazzy loan by Equity Bank

Equity Bank’s Eazzy loan app stands as a convenient and accessible solution for borrowers seeking quick access to loans of up to Ksh 3,000,000. With a streamlined application process, obtaining an Eazzy loan couldn’t be simpler. Users are required to open an Equity Bank account, download the Eazzy loan app, and fill out the online application form. Upon approval, funds are disbursed directly to the borrower’s bank account within minutes, ensuring swift access to much-needed financial assistance. Moreover, the Eazzy loan app offers additional features such as budgeting tools and repayment reminders, empowering users to manage their finances effectively and stay on track with loan repayments.

By combining convenience, accessibility, and innovative features, the Eazzy loan app epitomizes Equity Bank’s commitment to providing user-friendly financial solutions to its customers. Whether users require funds for personal expenses, business investments, or emergencies, Eazzy loan ensures a seamless borrowing experience and timely disbursement of funds. With its comprehensive suite of features, including budgeting tools and repayment reminders, the Eazzy loan app serves as a valuable tool for individuals seeking to navigate their financial journey with confidence and ease.


NCBA Loop app, developed by NCBA Bank, emerges as a comprehensive mobile banking solution designed to provide users with convenient access to a wide range of financial services directly from their smartphones. With features such as money transfer, bill payments, and loan applications, NCBA Loop empowers users to manage their finances effectively on the go. Applying for a loan via the NCBA Loop app is a straightforward process, requiring users to input their details and await approval. The loan limit is determined based on factors such as the user’s available savings balance, credit score, and transaction history, ensuring that borrowers receive loan offers tailored to their individual financial circumstances.

In addition to its lending services, NCBA Loop offers users access to valuable financial advice and budgeting tools, enhancing their ability to manage their finances more effectively. By providing personalized insights and tools to track spending habits and set financial goals, NCBA Loop empowers users to make informed financial decisions and achieve greater financial stability. With its user-friendly interface and comprehensive feature set, NCBA Loop serves as a valuable resource for individuals seeking to take control of their financial well-being and achieve their long-term financial goals.

 iPesa Loan App

iPesa emerges as a reliable online loan app in Kenya, offering short-term loans of up to Ksh 50,000 with flexible repayment options extending up to 128 days. With a minimum APR of 36%, iPesa provides borrowers with transparent and competitive lending terms, ensuring that users can access funds without facing exorbitant interest rates. The app caters to the diverse needs of borrowers by offering flexible repayment methods, including M-PESA or bank transfers, providing added convenience and accessibility in managing loan repayments.

The application process for iPesa is designed to be quick, straightforward, and user-friendly. To apply for a loan, users simply need to fill out an online form and provide basic information, such as personal details and employment information. Once the application is submitted, users can expect a prompt approval process, allowing them to access funds swiftly to address their financial needs. iPesa’s streamlined application process eliminates unnecessary paperwork and bureaucracy, ensuring a hassle-free borrowing experience for users seeking short-term financial assistance.

Overall, iPesa stands out as a trusted and convenient lending solution for individuals in need of short-term financial support. With its transparent lending terms, flexible repayment options, and user-friendly application process, iPesa empowers borrowers to access funds quickly and responsibly manage their financial obligations. Whether users require funds for emergencies, personal expenses, or business investments, iPesa offers a reliable and accessible platform for meeting their short-term borrowing needs.

Which app gives loans immediately in Kenya?

All genuine loan apps in Kenya give loans immediately, depending on your eligibility and credit score. For instance, the Branch app, M-Shwari, and KCB M-Pesa are some of the most popular loan apps that offer instant loans.

Where can I borrow money urgently in Kenya?

Several loan apps in Kenya offer quick loans. For example, Tala, Branch, and M-Shwari provide fast access to funds when you need them the most. Additionally, these apps do not require lengthy paperwork or collateral for approval.

Which are the most reliable loan apps in Kenya?

From my experience, Kenya’s most reliable loan apps are KCB M-Pesa, Branch, Tala, and M-Shwari. These apps offer secure and efficient loan services with quick approval and flexible repayment options. Furthermore, they have competitive interest rates and no hidden fees or charges.

What app gives 50k loans?

Most loan apps claim to offer loans up to 50,000 Ksh depending on your creditworthiness and repayment capability. For instance, the Branch app, Tala, and KCB M-Pesa currently offer up to 50,000 Ksh for eligible customers.

Which is the easiest app to get a loan in Kenya?

Tala and Branch are Kenya’s two most user-friendly loan apps, as they have a straightforward application process and minimal paperwork. Furthermore, both apps provide quick access to loans with competitive interest rates and flexible repayment options.

How can I get an instant loan in 5 minutes in Kenya?

With some of Kenya’s most popular loan apps, getting an instant loan in 5 minutes is possible. For instance, Tala and M-Shwari provide fast access to funds with simple application processes and secure online platforms. Additionally, you can get instant approval if you meet the eligibility criteria set by these apps.


The surge in popularity of loan apps in Kenya has brought both opportunities and concerns to the forefront. While some users express apprehension about the high interest rates associated with certain lenders, these apps undeniably serve as a vital avenue for accessing credit, particularly for individuals who may not meet the criteria for traditional bank loans.

Moreover, the emergence of mobile loan apps has significantly contributed to enhancing financial inclusion in Kenya. By granting access to credit for small businesses and individuals who previously faced challenges in securing loans, these apps have played a pivotal role in bridging gaps in the financial landscape.

As the prevalence of loan apps continues to escalate, it becomes imperative to closely monitor the industry’s practices. It is crucial to ensure that borrowers are treated fairly and that loan terms are transparent and equitable. By staying informed about the various offerings and being vigilant about understanding the terms and conditions, individuals can make more informed financial decisions that align with their needs and circumstances.

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