When you need an instant mpesa loan in Kenya, then the fastest way to get one is through mobile loan apps. The issue is, given that we have over 30 mobile phone loan apps in Kenya, which one is the best mobile m-pesa lending app to borrow from? In this article, we cover 21 mobile lending apps that are easy to download, register, and apply for an emergency loan in Kenya in 2024 and give you the best.
Best mobile loan apps download in Kenya to apply and qualify for quick mpesa loans on your phone. These easily downloadable loan apps are available for android, iphone and USSD.
Getting a quick loan in Kenya on your mobile phone has become easier over the last few years. That is because of the introduction of mobile loan apps that send money directly to mpesa. Here we cover 23 of the best m-pesa loan apps available in Kenya.
To download the loan apps, you can do so directly from the google play store on android, or get loan app apks from trusted websites like APKMirror. For those who need apk loan apps in Kenya.
If you are an iPhone user, then to get mobile loans for ios, you will need to access the apple app store.
After testing over 30 apps, we cover the top 20 loan apps in Kenya. But first, here are the top 3 mobile loan apps to borrow mpesa cash loans directly to your phone available in Kenya.
Table of Contents
We have a list of 23 mobile Kenya loan apps in this list, here are the top 3 apps you should consider for loan app download. The reason these mpesa loan apps stand out is that; they are quick and easy to install, have a fast registration process, offer good terms for interest, the loan repayment period is good and quick and fast online loan. Now lets proceed to download loan apps that are fast in lending quick cash below.
Available Both on android, iOS, and also USSD, we found Zenka to be the best overall loan app in Kenya.
With an easy-to-use app, a fast loan application process, good interest rates, and the best repayment period. Zenka loan app serves customers looking to apply for a quick mpesa mobile loan the best.
This has been the best loan app in Kenya for a long time. However, with the increase of mobile users on both android, iPhone, and Kabambe, the Branch loan app has not extended its services to IOs users and feature phones.
Also, the lack of a USSD code for the application of loans leaves out non-smartphone users from using Branch’s unsecured mpesa loans.
Other than that, the Branch loan app is easy to use, has good interest rates, a reasonable repayment period, and sends out loans quickly to mpesa.
Closing in our top 3 mobile loan apps in Kenya is the Tala app. One of the first mpesa loan apps to come into the Kenyan market, it has been lending customers cash consistently.
The app has a very good user interface and borrowing loans is quick and simple. The only downside is that it only caters to android smartphone users.
Enjoy your Tala app and borrow a quick loan today.
Here are the best instant mobile loan apps to apply for fast, easy, quick cash loans. The money you qualify for is sent directly to your Safaricom mpesa account. These loan apps have been tested by the team at Saidia and have been chosen because they are legit, the ones that work and give loans in 2024.
If you want to apply and qualify for instant, quick cash loans online in Kenya, then look no further! Zenka is the app for you. This mobile loan app offers access to instant mpesa personal loans to your mobile phone whether it’s for an emergency or to get money quickly to help in paying for bills.
They consider themselves the most flexible loan platform on the market assisting users get easy loans without filling in a physical form. You can get a minimum loan of Ksh 500 and a maximum loan of Ksh 30,000 when you borrow on the Zenka app.
In addition, the app is a new one in the instant mpesa loan apps space, so Zenka is offering 0% interest for the first loan you apply for on the app. Meaning you only pay back what you borrowed when you take the first loan.
The app is developed by a company called Zenka finance which is based in Nairobi Kenya. In order to make mobile lending readily available in this market, you can borrow money even if you do not have a smartphone.
Zenka has a USSD platform where you can apply for instant loans that will be sent to you via mpesa by dialing *841#. Once you do this, you will be able to enjoy and access instant financial services even if you don’t have an android phone. Get the zenka app on your phone by downloading it from the link below.
The Branch loan app is by far one the most popular loan app in Kenya for applying and qualifying for an instant loan or as we say it locally, ‘kupata mkopo’. The app is developed by branch co which has a presence in many African countries like Kenya, Tanzania, and Nigeria.
Branch app offers small loans from a minimum of 250 Kenya shillings up to a maximum of Ksh 70,000 which is sent directly to your mobile phone through mpesa. Not only that, it offers the money qualified for at very friendly interest rates. Monthly Interest rates for a branch loan range from 2% – 16%.
When it comes to repaying your branch loan, you can easily do so using their paybill number or directly from the app. You can get the apk or full download from the google play store and we have a full guide for you below.
How to Download branch loan app
Tala is another mobile app that is available on the google play store to apply for quick and instant mobile loans in Kenya. The reason behind this is thanks to its ease of use, amazing customer care, and how frequently they update the app.
Tala is a mobile app for android, developed by tala mobile, that works by using mobile data to create a financial identity. Once that is done automatically, it shows how much money you qualify for.
All you need to do next is press ‘apply for loan’ and within minutes, it sends this money directly to you via mpesa. It is a very good alternative to bank loans because you don’t need to fill in a physical application form. This means it doesn’t rely on traditional methods of credit scoring like the CRB allowing them to offer loans to the unbanked communities. To apply for a loan with tala, check out this step by step guide.
With this app you can easily repay your loan using the paybill number or directly inside the app. To add to this, Tala is the second most downloaded loan app in Kenya on the google play store.
This is because of how easily and quickly you can install Tala and use it on your android phone. If you are looking for the apk download, it is also available for download from uptodown website.
How do you get the Tala loan app on your phone? It is easy, to download the Tala loan app for free from the google play store using the link below.
How to download Tala loan app.
Timiza is another app that offers mobile loans in Kenya. The app is provided by ABSA bank (formerly Barclays bank) and hence the quick money loans you get are ABSA Barclays loans.
Even though it is a loan app offered by a bank, you do not need to fill in a physical registration form to qualify for it. It has features that make it different from a lot of the other popular apps like tala kenya. For example, once you qualify for a small loan, the money is not sent directly to your mpesa account. Instead, it is deposited into the Timiza account on the app where you then get to withdraw it to your M-Pesa account.
Being one of the new loan apps to hit the Kenyan market, Timiza has really taken the online mobile market by storm. Once you register with Timiza, you get a Timiza Barclays account. Having over one million downloads after just over a year is a big achievement. So how can you get the Timiza app on your mobile phone? Check out the link below to be able to download Timiza on your phone to get money for your business or personal use.
With over a million downloads on the google play store, Zash is one of the popular instant loan apps in the Kenyan market. It offers quick loans to help anyone in Kenya who needs money to grow their business, pay for school fees, or meet a specific emergency.
The zash app is developed by kopakash and they offer very high security to protect your data. The money lending app Zash is available to download both from the google play store and also as an apk.
Another loan app in the Kenyan market you can use to apply for a quick mpesa loan is iPesa. This app is offered by a company called Xcredit and it is one of the newer mobile loan apps in the Kenyan market. A good thing about the iPesa app is that it is easy to install and download by going to the google playstore.
This lending app uses modern technology to see whether or not you as user will qualify for a loan. This includes but is limited to checking your SMS, call logs, and mpesa usage. However, if you want to get the app on your phone it is easy and straightforward to download by using the google store getting the iPesa apk.
If you are looking for an instant mpesa loan sent directly to your phone, then look no further than iPesa. One of the newer apps that offer loans in Kenya, FlashPesa has slowly gained popularity such that it has been downloaded over 1 Million times.
FlashPesa is a safe and secure app and will only ask for necessary permissions, for example, use the data on your phone in order to verify it’s you i.e. your identity and to create a credit score. It is one of the fastest-growing loan apps in Kenya that you can download and install on your android phone. This app is developed by Ambush capital.
Creditmoja is one of the loan apps in Kenya that allows you to get instant same-day loans sent directly to your mobile phone via mpesa. The creditmoja app achieves this by having you, as a borrower, install the app on your phone, register an account and apply for a loan.
The loan application then sends the money using M-Pesa, a money-sending platform that is offered by Safaricom. This is definitely one of the new popular loan apps you can download in Kenya.
The Creditmoja app is developed and maintained well and it is updated often.
You can download and install creditmoja on the google play store or the other alternative is downloading the apk from apk monk. Click the link below to get the creditmoja loan app on your phone and start borrowing cash fast.
One of the new mobile loan apps in the Kenyan market is AsapKash loan app. This app offers quick cash and mpesa loans sent directly to your phone.
It offers unsecured mobile loans from a minimum of 1,500 Ksh up to a maximum of 50,000 Ksh that can be immediately borrowed from AsapKash and transferred to your mpesa account.
Once you have qualified for a loan, repayment is easy because like other loan apps in Kenya, there is paybill number available to easily pay back mobile loans.
The AsapKash app has an interest rate of a maximum of 12% however in addition to this; there is a service fee that is charged.
In order to access the cash loan, you will need to download, install, register, and apply for the online mobile loan on the app. Once you have done that, you then fill in some questions asked and send in the application.
How do you get a loan using AsapKash? First, you will need to download the AsapKash app from the google play store. Apart from this, you can also get the AsapKash loan apk. Both of these options you can get them by clicking the link below.
One of the new mobile loan apps in the Kenyan market, Lend Plus is developed by Aventus Technology Limited and its one of the apps for loans in Kenya.
It offers unsecured mobile loans from a minimum of 500 Ksh up to a maximum of 30,000 Ksh that can be immediately borrowed from Lend Plus and transferred to the mpesa account of the user.
Once you have qualified for a loan, repayment is easy because like other loan apps in Kenya, there is pay bill number for Lend Plus available to easily pay back mobile loans.
Lend Plus loan app
In order to access the cash loan, you will need to install the app. Once you have done that, you then fill in some questions asked and send in the application.
How do you get a loan using Lend Plus? First, you will need to download the Lend Plus app from the google play store. Apart from this, you can also get the Lend Plus loan apk. Both of these options you can get them by clicking the link below.
KeCredit is another popular lending app in Kenya to get instant and easy loans sent directly to your mobile phone through mpesa. Once you apply and qualify for your loan, it is usually sent directly to your mpesa account within minutes.
You may be asking how you get this KeCredit loan app? This app is available on the google play store for download and works on your android phone. Both small businesses and individuals can access loans offered to service an emergency or just to meet personal needs.
When applying for a loan on KeCredit, the app offers up to a maximum of 50,000. When it comes time to repay the loan, they have a paybill number that you can send the money to.
If you want to download the KeCredit app, you can do so by using the link below for an option of whether you get it from the play store or download the apk.
Kashway mobile loan is one of the best loan apps in Kenya without CRB that allows Kenyans to borrow money directly from their phone. In addition to that, this mobile loan app has many registered clients estimated to be over 1 million. This could be because of the low-interest rates that are charged on the Kashway app which range between 5% and 15% per month compared to other loan apps to mpesa.
Fast mobile loans are possible through Kashway because this lending app allows you to register without paying a registration fee. Besides that, you are not required to fill in any physical registration form. The loan application is down online on the mobile app.
So how do you get the Kashway app on your mobile phone? This is one of the easiest loan apps in Kenya to install due to it being available on the google play store. You can get to download Kashway app using the link below.
The list of loan apps in Kenya continues with FairKash+. This is one of the new mobile lending apps that work without crb check and registration fee, and offer users digital loans directly to mpesa.
Easily apply and qualify for cash through the loans that FairKash+ disburses through the app.
FairKash+ app for loans in Kenya allows users to borrow a minimum of 1,500 Ksh and a maximum of Ksh 50,000.
So how do you get the Directcash app on your mobile phone? You will need to download it from the google play store, and also you could get the Directcash apk from websites like apkmonk.
Check out the link below to get one of the best loan apps without crb check on your phone.
There is another money lending app that offers small instant loans in Kenya and it is similar to Tala mobile app. TiFi Slice allows you to get a mpesa loan in Kenya and the cash loan is sent fast directly to your mpesa account online. This app has been downloaded on android phones over 1 Million times, which goes to show that it is a popular app to get online quick cash loans.
The app is developed and maintained by Risine Credit Limited. This company specializes in mobile money lending services where they offer loans in Kenya without security. It is one of the most used mobile loans app in Kenya.
So how do you get the TiFi Slice app on your mobile phone? You can do this by downloading the app from the google play store or by getting the TiFi Slice apk. Check out the link below to be able to download Stawika on your phone.
Kashbean is another money lending application that offers mobile mpesa loans in Kenya at very reasonable interest rates. In addition to this, it gives you fast and convenient loans to your M-Pesa. Users can use these loans to pay for emergency situations, grow their businesses, or pay their bills.
In order to use the Kashbean app, you need to download it from the Google play store or by getting the apk.
You can do that by clicking the link below. After getting the app on your android phone, open it and create an account and begin applying for a loan.
With over half a million downloads on the google play store, Meta loan has become one of the popular instant loan apps in the Kenyan market. It offers quick loans to help anyone in Kenya who needs money to grow their business, pay for school fees or meet a specific emergency.
The Meta mobile loan app is highly rated on the google play store and they offer very high security to protect your data.
The money lending app Meta is available to download both from the google play store and also as an apk.
The patron loan app aims to give mobile loans quickly to Kenyans hence the app’s slogan ‘ Get money directly ‘. Good thing is, the whole process is done online on the users mobile phone.
This loan is sent to you once you have qualified for it via mpesa where you can then use the money to fund your emergency or to pay bills. Being one of the new loan apps in Kenya, Patron app has not been around as long as some of the more established apps such as Branch App or Tala Kenya.
Patron app is one of the apps that offer loans in Kenya without security. So, how can you get the Patron loan app? You can get it by downloading it on the google play store or if you are looking for the apk there is an option to get it from apkmonk. Check out the link below to download.
Berry is an amazing money lending app with incredible features to offer when it comes to borrowing money online using a loan app. Furthermore, this is one of the new apps that offer fast and quick cash loans through mpesa in the Kenyan market.
The berry loan app works very similarly to the more popular branch app. With a very user-friendly interface, this app makes it easy when applying for instant mobile loans in Kenya.
Small loans are dispersed quickly online and it has a very good user interface. Being one of the newest mobile lending applications in Kenyan market hasn’t stopped the app from getting very good reviews on the play store with a rating of 3.9 out of a possible 5.0.
So how do you get the Berry app? Check out the link below to see how you can download it directly from the google play. Another way you can get it is by downloading the apk.
For those who have utilized other apps to apply for a loan on their mobile phone, for example, Tala loan app by Tala Kenya or branch, Bayes works in a similar way.
With a rating of 4.5 out 5, it is one of the highest-rated loan apps in Kenya. This means it offers mobile mpesa loans fast to Kenyans who install it on their smartphones.
Want to get Bayes on your mobile phone, get it quickly and conveniently from the download link below. Not only that, you can also get it on your phone by downloading and installing the Bayes apk.
Helacash is yet another option when it comes to getting loans directly to your phone through mpesa in Kenya. It is one of the newer mobile money lending apps operating in the unsecured loans business and emergency loans space, it is highly rated in the google play store.
Want to get the app on your phone, you can download it from the link below and start enjoying their services.
Sky Pesa mobile loan app offers fast mpesa apps to your phone. A new app in this emergency credit space in Kenya, it has become popular with over 100,000 downloads on the goolge play store. Also, this mobile lending app has a decent rating of 3.9 out of 5, meaning it helps users get cash in their time of need.
So, this is another loan app in Kenya you can download and easily apply for an mpesa loan with a quick registration.
So how do you get the Sky Pesa loan app on your phone you can do that by downloading it from the link below.
With over 20 million downloads combined, here is a table that shows, at a quick glance, at some of the most popular loan apps and their download numbers in Kenya. Also, these lending apps have been tested and work; meaning they offer loans to those who download and install them.
| No. | LOAN APP | DOWNLOADS ON GOOGLE PLAY STORE | RATING ON GOOGLE PLAY STORE |
| 1 | Zenka | 5 Million + | 4.1 / 5.0 |
| 2 | Branch | 10 Million + | 4.4 / 5.0 |
| 3 | Tala | 10 Million + | 4.5 / 5.0 |
| 4 | Timiza | 1 Million + | 4.1 / 5.0 |
| 5 | Zash | 1 Million + | 4.3 / 5.0 |
| 6 | iPesa | 1 Million + | 3.6 / 5.0 |
| 7 | FlashPesa | 1 Million + | 4.5 / 5.0 |
| 8 | Creditmoja | 1 Million + | 4.1 / 5.0 |
| 9 | AsapKash | 1 Million + | 4.4/ 5.0 |
| 10 | LendPlus | 1 Million + | 4.0/5.0 |
| 11 | KeCredit | 1 Million + | 3.7/5.0 |
| 12 | Kashway | 1 Million + | 3.8/5.0 |
| 13 | FairKash+ | 1 Million + | 4.3/5.0 |
| 14 | TiFi Slice | 1 million + | 4.1/5.0 |
| 15 | Kashbean | 1 million + | 4.3/5.0 |
| 16 | Meta loan | 1 Million + | 4.3/5.0 |
| 17 | Patron | 100,000 + | 3.8/5.0 |
| 18 | Berry | 500,000 + | 3.1/5.0 |
| 19 | Bayes | 100,000 + | 4.4/5.0 |
| 20 | Helacash | 1 Million + | 3.8/5.0 |
| 21 | SkyPesa | 1 Million + | 3.6/5.0 |
We know that the reason people need a quick mpesa loan is to mostly pay for something unforeseen. In addition to that, we know emergencies aren’t only household, medical or transport related but can also be for entertainment. So if you need to go on a date, movie, or clubbing but don’t have enough money, then a quick loan from either Tala, branch, or Timiza can quickly sort you out.
Businesses also benefit from these mobile loan apps especially when they are hard-strapped for cash. A quick loan will help your business when you need to stock up and you don’t have enough money. Not only that, maybe you need to pay salary, a quick unsecured loan from one of these apps will sort you out. A business owner can get a loan from either stawi, opesa or Zenka app.
What we are saying is that the options are many when it comes to lending apps in the Kenyan market. That is why saidia created this list of more than 20 best instant mpesa mobile loan apps in Kenya. We have a list of these apps which you can find below.
We have gone through more than 20 loan apps that are available in Kenya. Although these lending apps offer one main key function, which is offering instant loans to customers, they are also unique in the experience they give each user.
Of late, loan apps in Kenya have become very popular. What is the reason for this?
Well, it’s because they give Kenyans the opportunity to work through unforeseen emergencies by lending instant unsecured loans. The good thing is that they do this quickly and conveniently directly to your phone using Safaricom’s m-pesa service.
Such unforeseen emergencies are like buying electricity tokens when they finish, replacing your gas when it runs out, and even medical emergencies.
The money gotten from these loans has also been used by Kenyans to pay for school fees and not only that, but they’ve also supplemented transport costs and needs that have come about without notice.
For now, all we know is that as more and more people continue to use smartphones, there will always be a demand for apps that give users convenience. In this case, the convenience offered by these apps is clear; instant unsecured mobile loans, that are quickly sent via m-pesa and help you with money when you are in an emergency.
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