Bad Credit Mortgages in Kenya

Cynthia Adongo
06 June 2025

Loan term

We will approve a loan for any purpose up to 5 million Kenyan Shillings.

License #149

The fastest loan processing, with only two documents required!
We approve loans directly through bank employees!
We guarantee 100% loan approval with no rejections at all!
When applying, you will only need your ID and any second document!
There is no need to purchase fake employment documents!
We issue amounts from 200,000 KES up to 6,450,000 KES!
Up to 2,000,000 KES is issued within one day with two documents!
So stop worrying, just call us and we will help you!

350 000 KES
64 months
1.63% per annum

We assist in obtaining bank loans without upfront payments or documentation, servicing all regions

License #120

We provide comprehensive assistance in processing loans for individuals and businesses with complete support. Only large amounts. We have our own algorithm for screening applicants, allowing us to identify all borrower issues before submitting a bank application.

We assist in challenging situations for individuals: with poor credit history, with or without collateral, with heavy debt load, and without official employment. From KES 300,000 to KES 12,000,000.

For businesses: with low or no turnover, operational for less than six months, with or without collateral. Up to KES 300,000,000. We leverage our connections and partnerships with banks. Individual approach to every situation. We prepare the loan documents at our expense. We work as a guarantor under contract.

We provide legal assistance in bankruptcy and also in canceling or reducing debt without the bankruptcy procedure by selecting a donor. Leasing for individuals and businesses on favorable terms. We work 100% until actual results are achieved. We only interact with verified banks. We know all the nuances affecting the decision. All conditions are discussed in advance. We work with all regions of Kenya. We assist only reasonable people.

60 000 KES
1 months
17.36% per annum

Offering Fair Loans

License #175

In one hour for Kenyan citizens only In the section ‘Lend Money’ 📖 Urgent lending without certificates, collateral, or guarantors. Any option. (both online and in-person meetings) Receive funds in any convenient way (including to electronic wallets) Amounts from 100,000 KES from 14% per annum. Smaller amounts – from 0%. Send us an email. Specify the desired amount and term. All terms are negotiable.

400 000 KES
30 months
10.13% per annum

Loans without Employment Proof and Prepayment!

License #067

My name is Arseni, and I am a private individual. I am ready to offer loans, invest, or provide financial assistance to those in need. I work without upfront fees, commissions, insurance, documents, or any other charges. You do not make any payments before receiving the loan. The loan can be arranged either in person (in Nairobi, Mombasa) or remotely (in remote arrangements, you also pay absolutely nothing, all financial expenses are covered by us). Loans are available from an amount of 500,000 KES to 30,000,000 KES. The maximum loan term is 15 years, with an interest rate of 11% per annum (before processing, we can calculate all your payments). If the terms suit you, or if you have any questions, contact us via email; we will respond to everyone in the order received.

100 000 KES
24 months
9.76% per annum

Lending to Kenyan Citizens, We Assist in Difficult Situations, Fast and Without Prepayment

License #067

Private loan without collateral and guarantor,
Borrower’s age up to 60 years at the time of repayment,
Loan amount from 50000 – 1000000 KES,
Maximum loan term 7 years (84 months),
Early repayment possible,
Interest rate 15% per annum,
No credit history check,
Loan processing with ID and promissory note,
Condition;
No criminal record,
For all inquiries, contact via email.

300 000 KES
36 months
8.37% per annum

Credit to your card in 30 minutes across Kenya.

License #144

We offer private loans with personalized terms. Fast, beneficial, and convenient! No need for documentation or employment verification. We are ready to work with citizens aged 18 and above who are registered in the country. Repayment is done through equal monthly installments. Credit history is not considered; we lend to everyone. Funds are disbursed through a loan agreement. Any amount for an extended period.

250 000 KES
150 months
3.47% per annum
Loans with High Approval in Kenya
Borrower Rating Rate Amount
Caritas MFB
,0/5 1151190% 14 KES
Berry
,0/5 1151190% 14 KES
Postbank (Kenya Post Office Savings Bank)
,0/5 1151190% 14 KES
MyCredit Limited
,0/5 1151190% 14 KES
MOGO
,0/5 1151190% 14 KES
Fuliza (NCBA & Safaricom)
,0/5 1151190% 14 KES
Izwe Kenya
,0/5 1151190% 14 KES
Diamond Trust Bank Kenya Limited
,0/5 1151190% 14 KES
Bank of Baroda (Kenya) Limited
,0/5 1151190% 14 KES
Absa Bank Kenya PLC
,0/5 1151190% 14 KES
Police SACCO
,0/5 4768586% 16 KES
Avanse Financial Services
,0/5 4768586% 16 KES
Salaam Microfinance Bank
,0/5 4768586% 16 KES
Lipa Later
,0/5 4768586% 16 KES
Premier Credit
,0/5 4768586% 16 KES
Jijenge Credit
,0/5 4768586% 16 KES
M‑Shwari (Safaricom/NCBA)
,0/5 4768586% 16 KES
Zidisha
,0/5 4768586% 16 KES
PesaPap (Family Bank)
,0/5 1171452% 18 KES
Aspira
,0/5 1171452% 18 KES
Mwalimu National SACCO
,0/5 1171452% 18 KES
Stima SACCO
,0/5 1171452% 18 KES
SBM Bank
,0/5 1171452% 18 KES
Hustler Fund
,0/5 1171452% 18 KES
Family Bank Limited
,0/5 1171452% 18 KES
Frequently Asked Questions
Can I get a mortgage in Kenya with bad credit?

Yes, some lenders in Kenya offer bad credit mortgages, but they may come with higher interest rates and stricter terms.

How do I improve my chances of getting a bad credit mortgage?

Improving your credit score, having a stable income, and providing a larger down payment can increase your chances.

What is the typical interest rate for bad credit mortgages in Kenya?

Interest rates for bad credit mortgages in Kenya are usually higher than standard rates, potentially ranging from 15% to 22%.

Are there any government programs to assist with bad credit mortgages?

While there are no specific government programs for bad credit mortgages, exploring local housing initiatives might provide indirect support.

Is it possible to refinance a bad credit mortgage in the future?

Yes, refinancing is possible once your credit score improves, potentially securing better terms and lower interest rates.

Can a cosigner help in securing a bad credit mortgage?

Yes, having a cosigner with good credit can improve your mortgage application by offering additional security to lenders.

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