Credits from Private Individuals in Malindi

Lillian Nyaboke
06 June 2025

Loan term

You probably don’t want to pay upfront fees and face rejections? But if you urgently need money, call us quickly, because we can help!

License #144

Assistance with Loans in the ‘Private Loan’ Section 📖 Assistance in obtaining a loan across all regions of Kenya. We work exclusively for results and directly with Banks. Assistance is provided regardless of Credit History. We do not take upfront payments; all services are paid upon completion. We have access to over 30 banks, with loan terms ranging from 1 month to 7 years. Loan amounts range from Ksh 100,000 to Ksh 3,000,000. Age requirements are from 18 to 70 years. Employment is not required (official or other work is not needed). No collateral or guarantors are necessary. Two documents are required: an ID and any other document. Loan interest rates range from 10% to 23% per annum. We provide free consultation.

400 000 KES
18 months
9.92% per annum

With our support, you can obtain a loan even without income verification and with any credit history.

License #068

Urgent cash in one day! We work with any credit history, officially unemployed, without advance payments and hidden fees, with all cities and regions in Kenya. The amounts you can apply for through us range from 30,000 to 10,000,000 Kenyan Shillings. Our services include: ~Assistance in obtaining a loan from the bank in cash or on a card. ~Selection of a credit donor. ~Help in arranging a private loan with a promissory note. We assist you at all stages, from preparing the document package and submitting the application to approval and loan disbursement. We offer favorable credit conditions with low interest rates! Contact us at the email here.

10 000 KES
64 months
22.99% per annum

We offer our clients loan services for any purpose, even with a negative credit history, without upfront fees.

License #064

Hello, I need 100,000 KES on a promissory note, strictly without prepayment. I have been working officially for 5 years with interest.

150 000 KES
18 months
21.22% per annum

The best loan offers, extremely simple and accessible, with no advance payment.

License #070

I offer financial assistance at a competitive interest rate lower than banks. Amounts up to KES 4,000,000 available on the same day. The transaction is clean and transparent. By reaching out to me, you are assured of reliable processing, clear terms, and fast access to funds. Processing requires your Kenyan ID + loan agreement. No collateral or guarantor required. Your credit history and employment status do not matter. Residency within Kenya is required (any city). Applicable to individuals aged 20 to 65. For large amounts, personal meetings are arranged. Send a request with the desired amount via email or call us.

40 000 KES
27 months
11.43% per annum

Private Loan Without Advance Payment

License #070

We work with individuals in Nairobi and surrounding areas, as well as other regions of Kenya. There is an opportunity to obtain a loan without income verification. We do not consider credit history and allow borrowers with current issues in their credit report to receive loans. Additional motivation is crucial in the loan application process. Loan amounts from 350,000 to 7,500,000 KES. Borrower age from 25 to 60 years. Residence in any region of Kenya. Loan term up to 120 months. No collateral required. No matter how complex the situation you are in – contact us. Your problems – Our solutions. Payment for services upon completion.

140 000 KES
9 months
2.94% per annum

Lucrative Loan Offer for Those with Debts to Other Banks

License #066

For Kenyan citizens who, for some reason, cannot independently obtain a loan, I offer assistance in securing personal loans up to KES 1,000,000 in your local region, on the day of application. You are required to provide a minimal set of documents. You only need to visit the bank to receive the loan.
There are no payments until you receive loan approval from the bank!
The service fee is fixed and does not depend on the loan amount.
When applying, please provide your full name, date of birth, place of residence, and the loan amount.

80 000 KES
84 months
5.15% per annum

It’s time to get a loan and stop paying upfront! We’re here to truly help you secure cash loans!

License #175

Offering financial services on the most honest and beneficial terms. The maximum loan amount available is 4,000,000 Kenyan Shillings for any purpose without collateral. With the right to early repayment after six months. Official registration under a written agreement.
I assist citizens from all regions of Kenya with both good and negative credit histories, including the unemployed. Client age ranges from 18 to 68 years. Positive results guaranteed! I do not verify credit history or place of residence. Required documents: ID card, PIN.
More convenient and advantageous than a bank! By contacting me, you can expect reliable registration, transparent terms, and quick access to funds.
To receive funds, contact via email or call.

190 000 KES
96 months
10.55% per annum

Investor Offers Private Loans to Borrowers of Various Categories

License #175

We help even if everyone else has turned you down! Quick financial assistance on favorable terms without any upfront fees, guarantors, collateral, or hidden charges! We will help you secure a bank loan from KSh 300,000 to KSh 10,000,000 at a low-interest rate on the day you apply! Cash for any purpose! We assist borrowers with any credit history, those not formally employed without income proof, with high debt burdens, and outstanding arrears. We operate in all regions of Kenya and the surrounding areas. From you – a minimal set of documents, from us – professional and quality work with guaranteed results! Exclusively for our clients: offer – deferment of the first payment and service – credit holidays! Support at all stages – from document preparation and application submission to receiving your loan funds. Send your loan applications to our email:

90 000 KES
180 months
18.99% per annum

Get Genuine Assistance in Obtaining a Loan as Quickly as Possible

License #149

Are you having difficulties obtaining a loan? Bad credit history and banks denying your application? Contact a credit broker and receive the required amount from 500,000 KES for any needs. Loan acquisition is strictly within the law, with established bank contacts. Loan rates start from 16.4% per annum. It is possible to get a loan with two documents if you cannot prove income. Applicants who are not convicted and not residing in northern regions, aged 21 and above, responsible and creditworthy. Loan approval in Nairobi, receiving the loan in the borrower’s region can be discussed. Full transaction support, free consultations on loan-related questions, and working with the broker is only under a service contract.

80 000 KES
11 months
12.97% per annum

Financial Assistance Without Guarantors or Collateral on Very Flexible Terms for Everyone

License #149

Tired of paying rent? Dreaming of living in your own apartment? We offer consultation to help you select a convenient and flexible home buying program, allowing you to find suitable options and effortlessly own your dream apartment! By reaching out to us, you will not only receive professional assistance in obtaining a mortgage and preparing necessary documentation but also save time and take advantage of exciting and lucrative offers from our financial partners – the largest and leading banks in the Kenyan mortgage market. We will find the best and most favorable conditions from banks, insurance, investment, and appraisal companies.
• Mortgages from partner banks
• Rates through us are 0.5 – 1% lower
• Selection of REAL ESTATE of any complexity
Individual approach to each client.
Selection of apartments in new buildings, selection/sale of apartments in the secondary market. Conducting purchase and sale transactions of any complexity (alternatives, purchase/sale of an apartment with mortgage encumbrance, or with involvement of a housing grant, etc.)
Assistance in obtaining a loan secured by property from a lawyer
Our conditions:
Bank interest rate from 8%
SACCO and MFI rate from 3% per month
Term from 1 day to 20 years;
Loan amount up to 60% of the market value;
Expenditure part is considered individually for each client.
We consider:
apartments;
commercial real estate.
✔Legal consultation on property collateral issues for individuals and businesses.

40 000 KES
60 months
22.99% per annum

Cash Loan Without Income Proof. 100% Guarantee.

License #068

We provide assistance in obtaining money with any history and arrears. Amounts ready for issuance from 100,000 to 1,000,000 KES for a period of up to 7 years. We work with any region, collection in your city! To apply for money, email or call with the amount you need.

5 000 KES
150 months
7.39% per annum

Bank Loans for Kenyan Citizens, No Advance Payments or Fees Before Disbursement

License #063

We offer loans to borrowers with damaged or overloaded credit histories. Various amounts are available up to 4,000,000 Kenyan Shillings without official employment documentation or certificates, using only a Kenyan ID and a secondary personal document. Loan disbursement is available both in Nairobi and in regional bank offices. We charge up to 15% of the loan amount for our services upon successful disbursement of the loan, with no upfront contracts or fees upon approval. Our fee is paid by the client after receiving the loan. Applications are accepted via email.

250 000 KES
12 months
4.99% per annum

Assist with Obtaining a Loan Despite Current Delinquencies

License #062

Get your loan conditions calculated on the same day you apply. We will consider any situation, including current over-indebtedness and negative credit history. Only a national ID and a secondary document are needed. No insurance or other imposed services. We work with Kenyan citizens aged 25 to 59. Residency in any region. We collaborate with a reliable, lending partner bank. With our support, you won’t waste your time. If we decide to work with you, rejection is not an option. No upfront payments. Pay for our services only after receiving the loan.

60 000 KES
18 months
5.15% per annum

Apply for a bank loan starting from 300,000 KES at 10% per annum!

License #063

If you’re with us, then your approved loan will be too, with no upfront fees and no refusals!
All you need is just two documents and a desire to get a loan!
We’ll handle the rest; no need to purchase employment verification!
Just call us and make arrangements, and we’ll take care of everything!
We approve any amounts from 20,000 to 8,000,000 KES, all applications with just two documents!
You can receive these amounts even with a high burden or if unemployed, just give us a call!
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30 000 KES
48 months
13.68% per annum

A loan sponsor will provide financial assistance honestly and quickly

License #068

Hello. I can help you officially process a loan through the bank. I only work with clients who have no open delinquencies. No upfront payments required. A percentage of the amount only after you receive the funds. Only Nairobi and Nairobi County. Contact via email!

70 000 KES
66 months
4.99% per annum
Loans with High Approval in Kenya
Borrower Rating Rate Amount
Branch
,0/5 3527768% 12 KES
Berry
,0/5 3527768% 12 KES
Okolea
,0/5 3527768% 12 KES
Harambee SACCO
,0/5 3527768% 12 KES
Jijenge Credit
,0/5 3527768% 12 KES
I&M Bank Limited
,0/5 3527768% 12 KES
Equity Bank Kenya Limited
,0/5 3527768% 12 KES
Ecobank Kenya Limited
,0/5 3527768% 12 KES
Bank of Baroda (Kenya) Limited
,0/5 3527768% 12 KES
Access Bank (Kenya) PLC
,0/5 3527768% 12 KES
Queensways Sacco
,0/5 5062682% 14 KES
Aspira
,0/5 5062682% 14 KES
HF Group
,0/5 5062682% 14 KES
NCBA Bank
,0/5 5062682% 14 KES
M-Kopa
,0/5 5062682% 14 KES
Tala
,0/5 5062682% 14 KES
Diamond Trust Bank Kenya Limited
,0/5 5062682% 14 KES
Citibank N.A Kenya
,0/5 5062682% 14 KES
Fortune Credit
,0/5 4180846% 20 KES
AsapKash
,0/5 4180846% 20 KES
Carbon
,0/5 4180846% 20 KES
First Community Bank (FCB)
,0/5 4180846% 20 KES
Progression Credit
,0/5 4180846% 20 KES
Fuliza (NCBA & Safaricom)
,0/5 4180846% 20 KES
Kenya Women Microfinance Bank (KWFT)
,0/5 4180846% 20 KES
Sidian Bank
,0/5 4180846% 20 KES
Frequently Asked Questions
Can private individuals offer loans in Malindi without a license?

In Malindi, private individuals can offer loans without a license, but they must adhere to legal interest rate limits and contract laws.

How can I ensure the credibility of a private lender in Malindi?

Verify the lender’s reputation through reviews, ask for references, and check any available credit history to ensure their credibility.

Are there legal protections for borrowers from private lenders in Malindi?

Yes, borrowers are protected by Kenyan contract laws, and any unfair terms can be contested in court.

What should be included in a loan agreement with a private lender?

The agreement should include the loan amount, interest rate, repayment schedule, and any penalties for late payment.

Is it possible to negotiate interest rates with private lenders?

Yes, borrowers can negotiate interest rates with private lenders to reach mutually agreeable terms.

What are the risks associated with borrowing from private individuals?

Risks include high interest rates, potential for predatory lending practices, and lack of formal dispute resolution mechanisms.

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