Credits from Private Individuals in Ruiru

Wanjiru Nguhi
06 June 2025

Loan term

We help clear debts and secure better terms! Additional funding available

License #070

Bank staff will provide expert assistance in obtaining a loan. Approval 101% without certificates and guarantors, NO advance payment required! Amounts from KES 300,000 at an interest rate of 10% per annum. You only need to have an ID card and PIN and be located in Nairobi or Mombasa. Decision from the first day. We have extensive experience in successfully working with clients who do not have official employment, have low income, or a poor credit history.

110 000 KES
48 months
19.53% per annum

Unsecured Personal Loan on Favorable and Transparent Terms!

License #067

Loan for any purpose — business, refinancing, renovation, medical treatment, purchase of land, apartment share, house construction, etc. All your issues — overdue payments, financial strain, alimony, lack of payslip, etc. — can be resolved, call us. From KSh 200,000 to KSh 6,700,000. Terms of receipt, commission, etc. — all by phone.
06

80 000 KES
6 months
15.40% per annum

Offer Private Loans to All WITHOUT ADVANCE PAYMENT

License #068

Loan for everyone, even for those who have lost hope in finding an honest lender.
We offer loans at a rate starting from 14% annually without requiring employment verification or a work record copy.
We will provide a decision within 1 day, no later.
We offer loans to Kenyan citizens and residents of East Africa.
We can assist with amounts up to 10,000,000 KES.
Submit your application and we will contact you.
25

200 000 KES
14 months
10.38% per annum

Loans with Payment Delays Without Advance Fees!

License #066

Urgently need financial assistance? Unable to get a loan due to a low credit score or failing the assessment? Why choose us: * We offer a turnkey loan processing, without the need for purchasing documents, mandatory insurance, etc., you only need to visit the bank for signing the loan agreement and receiving funds. * We handle even the most difficult cases, including blacklisted and restricted borrowers. What we offer: * Any amount up to 5,000,000 Kenyan Shillings for a term of 13 – 84 months with an attractive interest rate. * Quick processing with minimal documentation without the need to visit the bank office. * Lending to Kenyan citizens from 20 years old from any region in the country (with the option to receive funds in their residential region) and with any credit history. *Applications are accepted 24/7! To apply, write to the email

150 000 KES
20 months
1.51% per annum

Instant Cash Assistance, No Upfront Loans.

License #175

The loan conditions are acceptable for everyone. No income verification is required. No collateral is needed. I offer loans with just two documents from my personal funds. I am not interested in your credit history. I will not contact your employer. Available to the unemployed and women on maternity leave. I will assist everyone. Please contact me.

15 000 KES
150 months
9.06% per annum

Donor Loans, Easy Loans, Borrow from a Trusted Investor

License #062

Offering a private loan with a simple promissory note. The offer is valid for Kenyan citizens. Only a national ID and a card/account in your name are required. Credit history is not important, and no upfront commission is needed. Review is done remotely or in person at the office. Payment is due one month after receiving the transfer. You can contact us via email or on WhatsApp.

90 000 KES
10 months
5.80% per annum

Borrow Money. Money with Interest. Money with a Promissory Note. Loans. Advances.

License #144

I am a credit broker, providing professional assistance in obtaining loans. We can help even if: – You have received many rejections; – You have no collateral or guarantor; – You have a poor credit history; – You have a high credit load; – There are current debts with the law enforcement agencies. We provide loans to borrowers across all regions of Kenya, and you only need to visit the bank for the loan disbursement. No upfront fees. We consider amounts from KES 150,000 to KES 7,000,000 with a term of up to 15 years. Consultation is free, call our specialist.

400 000 KES
14 months
15.95% per annum
Loans with High Approval in Kenya
Borrower Rating Rate Amount
Branch
,0/5 2981986% 18 KES
SACCOs (Various)
,0/5 2981986% 18 KES
Okash
,0/5 2981986% 18 KES
Timiza (Absa)
,0/5 2981986% 18 KES
Prime Bank
,0/5 2981986% 18 KES
Sidian Bank
,0/5 2981986% 18 KES
Tala
,0/5 2981986% 18 KES
Family Bank Limited
,0/5 2981986% 18 KES
Bank of Baroda (Kenya) Limited
,0/5 2981986% 18 KES
Access Bank (Kenya) PLC
,0/5 2981986% 18 KES
Police SACCO
,0/5 5987514% 18 KES
Harambee SACCO
,0/5 5987514% 18 KES
Lipa Later
,0/5 5987514% 18 KES
Stima SACCO
,0/5 5987514% 18 KES
Faulu Microfinance Bank
,0/5 5987514% 18 KES
M‑Shwari (Safaricom/NCBA)
,0/5 5987514% 18 KES
Mwananchi Credit
,0/5 5987514% 18 KES
Stawika
,0/5 5987514% 18 KES
Credit Bank PLC
,0/5 5987514% 18 KES
Sumac Microfinance Bank
,0/5 7348366% 16 KES
Queensways Sacco
,0/5 7348366% 16 KES
Creditmoja
,0/5 7348366% 16 KES
Employer Salary Advance
,0/5 7348366% 16 KES
Fuliza (NCBA & Safaricom)
,0/5 7348366% 16 KES
Jijenge Credit
,0/5 7348366% 16 KES
Momentum Credit
,0/5 7348366% 16 KES
Ecobank Kenya Limited
,0/5 7348366% 16 KES
Frequently Asked Questions
What are the benefits of borrowing from private individuals in Ruiru?

Borrowing from private individuals can offer more flexible terms, personalized service, and faster approval compared to traditional banks.

Are there any risks associated with private loans in Ruiru?

Yes, risks can include higher interest rates, fewer regulations, and less formal agreements, which may lead to misunderstandings.

How can I find reliable private lenders in Ruiru?

Research online reviews, ask for recommendations, and verify credentials to ensure the lender is reputable.

Is a credit score required to get a loan from private individuals?

Not always. Many private lenders consider other factors such as your income, assets, or references rather than just credit scores.

What should I include in a loan agreement with a private lender?

A loan agreement should detail the amount borrowed, interest rate, repayment terms, and any penalties for late payments.

Can I negotiate terms with a private lender?

Yes, you can often negotiate terms like interest rates and repayment schedules directly with the lender for more favorable conditions.

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Step 1
What is the purpose of the loan?

Please select the primary reason for borrowing.

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