Loans from individuals Kenya

Cynthia Adongo
06 June 2025

Loan term

With our help, you can get money even without income verification and with any credit history.

License #144

Good day. We are ready to provide financial assistance to all interested individuals.
— No upfront payments
— No commission or insurance fees
— All payments are made from our side before you receive the loan.
The loan is issued at 11% per annum, for a term of up to 15 years. We operate throughout Kenya. If you are interested in a personal meeting, it is possible in Nairobi or Mombasa. We are ready to issue an amount from 300,000 to 30,000,000 with the possibility of early repayment. For all inquiries, please email us.

70 000 KES
64 months
10.38% per annum

Money in an Hour, with Any Credit History and Delays. No Upfront Payment

License #063

Non-bank loan up to 500,000 KES! Process and issue on the day of application. For all private individuals in need from 19 years old. Only an ID card and registration in Kenya and Uganda. No fees, including hidden ones! Reliable service, we work for you without breaks or days off. Contact us via our email address.

120 000 KES
80 months
21.22% per annum

Loan with Arrears without Any Prepayments!

License #062

I offer my assistance in obtaining a loan to your card. You will receive the funds within an hour. No empty promises. No refusals. I work every day. Awaiting your emails.

40 000 KES
30 months
9.59% per annum

Improving lending conditions for real borrowers daily!

License #070

Providing real assistance in obtaining a loan of up to three million Kenyan Shillings. The application process is remote and online, making it accessible from any region. A passport, NSSF number, and a bank card are all that are required to secure the loan. Please send your applications via email.

180 000 KES
28 months
2.56% per annum

Get Money Without Rejection, Collateral, or Advance Payment

License #064

Lending for all occasions, loans available to all categories of borrowers We solve difficulties related to credit history, legal issues, scoring, etc., under any circumstances, we work only for a positive result, which means our clients are guaranteed to receive funds and do not incur any expenses. We charge a commission only after the loan funds have been received and counted by the client. No payments are required on the day of application or upon approval. We work with all regions except for specific restricted areas. Contact us via email

150 000 KES
9 months
18.42% per annum

Financial Assistance Available at Competitive Rates, Disbursed on the Day of Application.

License #067

We offer you to get credit cards with a maximum limit of KES 200,000 (this is the ceiling), a 100-day grace period, free withdrawal of KES 50,000 per month, annual maintenance from KES 590 to KES 1490, and issued with just one document (ID/passport). We deliver the card within two to three days. I work remotely, and applications are accepted online. Contact us today to become a proud credit card holder tomorrow. There is an advance payment which amounts to KES 5,000.

200 000 KES
30 months
3.19% per annum

Express Loan in 1 Hour

License #062

I offer credit assistance to individuals who are unable to independently obtain a loan due to delays and other issues, using only a national ID without the need to provide employment verification and other documents. Loan amounts range from 300,000 KES to 3,000,000 KES, at a low-interest rate. I help improve credit history, and approval is guaranteed. Available in Nairobi, Mombasa, Kisumu, and other parts of Kenya, both remotely and through office visits. Awaiting your inquiries via email or the provided phone number…

250 000 KES
66 months
7.61% per annum

Business Development Loans: Access Large Sums in Cash

License #175

Cash loans up to 6 million KES in the ‘Credit Assistance’ section 📖 We promptly and reliably help you obtain a loan on favorable terms from leading banks in Kenya. We work with all regions of Kenya. Borrower age from 19 to 70 years. No collateral or upfront fees. Credit history does not matter. Detailed information available by phone and email.

200 000 KES
168 months
29.95% per annum

Assistance with Obtaining Cash Loans. We Solve Any Challenges.

License #067

If your financial situation is unstable, debts have accumulated, or you require financial assistance. Get in touch. I can provide a loan up to KES 3,000,000 today. WhatsApp +2547002992826 (send a message).

200 000 KES
48 months
1.44% per annum

Assistance in Obtaining Credit Funds for Citizens with Any Credit History and Court Judgments

License #149

We facilitate the issuance of loans using a Kenyan national ID, without sending applications to multiple banks or making pointless submissions. We have a long-standing relationship with one bank where we can guarantee our clients’ loan approval and disbursement. Any credit history, any issues, debts, or rejections from other banks and microfinance institutions are not a problem. We serve all regions of Kenya, and the borrower’s age can range from 19 to 70 years, with loan amounts up to KES 3,000,000. Please contact us via email.

160 000 KES
12 months
11.26% per annum
Loans with High Approval in Kenya
Borrower Rating Rate Amount
PesaPap (Family Bank)
4.6,0/5 15,3% 1 050 000 KES
iPesa
4.1,0/5 17,6% 5 650 000 KES
Berry
4.8,0/5 16,5% 4 550 000 KES
Police SACCO
4.8,0/5 20,7% 2 950 000 KES
First Community Bank (FCB)
4.2,0/5 15,2% 6 100 000 KES
Prime Bank
4.9,0/5 14,9% 2 650 000 KES
Frequently Asked Questions
What are the legal requirements for lending money between individuals in Kenya?

In Kenya, individuals lending money must adhere to the Consumer Protection Act and ensure that the interest rates are not exploitative.

How can I secure a loan from an individual safely?

To secure a loan safely, draft a formal agreement outlining terms, repayment schedules, and interest rates; consider involving a legal expert.

Are private loans between individuals taxed in Kenya?

Yes, interest earned on private loans is considered taxable income and should be declared in your income tax return.

What should I do if I cannot repay a loan from an individual on time?

Communicate openly with the lender to negotiate a revised repayment plan. Transparency can help maintain trust.

Can I charge interest on a private loan to a friend or family member?

Yes, you can charge interest, but ensure it is reasonable and agreed upon in writing to prevent any misunderstandings.

What recourse do I have if an individual fails to repay a loan?

If an individual fails to repay, you may pursue legal action to recover the debt, but ensure all terms were documented in a formal agreement.

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