Promissory note loan Kenya

Rose Lukalo
06 June 2025

Loan term

We offer loans with any credit history, no upfront fees

License #062

Emergency assistance in obtaining funds, we work with all regions
We carefully consider each specific situation
We diligently perform all necessary work in preparing and supporting the client
We do not ask for payment for our services and expenses until the client receives the credit funds
Assistance is possible even if the client has a negative credit
history
and officially confirmed income
If you want to receive money on reasonable and favorable
terms, contact us

150 000 KES
72 months
29.95% per annum

We offer comprehensive assistance in obtaining a cash loan without any upfront payments

License #064

We have been working with a wide range of Kenyan banks of different levels for a long time, and we also have agreements with several individuals who are genuinely ready to provide their own funds under a loan agreement. We carry out intermediary activities between the bank and the client, taking on all complexities and resolving any issues related to processing. Our clients receive loans with just two documents and without any risk. We do not have advance payments or paid contracts; our clients pay for our services only after they have received the borrowed money in hand. Contact us via email.

160 000 KES
18 months
3.92% per annum

We Ensure Approval and Organize Quick Loan Disbursement with Just Two Documents

License #120

Real credit assistance without unnecessary talk, long waits, running around banks, or any kind of upfront payments. Contact us and we will ensure you receive a loan from one or several banks with just two main documents. We navigate around negative credit histories, consider all nuances, and eliminate futile applications. When you reach out to us, you only visit the bank branch once, solely to collect your funds. We assist borrowers with multiple outstanding loans, those without official employment, and those with overdue payments in banks and microfinance institutions. Our services are paid for upon successfully receiving the loan funds, not a minute earlier. Contact us via email.

140 000 KES
33 months
5.80% per annum

There is an opportunity to provide loans to borrowers with a damaged credit history

License #144

Consideration at one bank without restrictions on credit history. We monitor the submission of applications and scoring. We ensure a loyal approach to consideration and issuance on the second day. Application acceptance with two documents, we conduct confirmation of payment ability. Terms are valid for all groups of individuals in the absence of the independent possibility to submit an application.

250 000 KES
32 months
12.49% per annum

The required loan amount will be approved and issued to you by bank staff without upfront payment!

License #062

Consumer loans until the end of the year at a reduced rate — only 11% per annum for up to 8 years. Loan review and issuance take place on the day of application. No need to seek guarantors or provide employment certificates; we work under a simplified scheme in an expedited manner. Unofficial employment, poor credit history, and existing debt burdens are accepted. All you need is a national ID, and there are no upfront payments. We are here for you!

400 000 KES
144 months
9.23% per annum

Receive Money in Any Credit Situation with No Fees or Documentation

License #066

For Kenyan citizens with permanent registration in any region of Kenya, I offer unsecured cash loans from 200,000 to 4,000,000 Kenyan Shillings for a term of one to seven years with an interest rate of 20 to 30% per annum, depending on your credit reputation.
To work with me, you must have a steady income in any form that allows you to meet your obligations, and there must be no criminal records, even conditional, under articles related to theft or fraud.
Credit history issues, open delays, or enforcement orders are solvable problems.

200 000 KES
18 months
10.13% per annum

Money Without Advance Payments and Insurance on Favorable Terms.

License #069

I offer loans from a private investor secured by real estate in Nairobi or the surrounding area. I provide my own funds.
I consider collateral: apartments; country houses (up to 30 km from Nairobi); commercial real estate.
Rates from 2% to 3% per month. All conditions will be discussed individually with each borrower.
I am accredited by the “Collateral House” and listed in the registry of private investors issuing loans secured by real estate:
loan_secured_by_real_estate_from_private_investor
AGREEMENT STRICTLY THROUGH LOAN AND COLLATERAL CONTRACT.
NO TRANSFER OF OWNERSHIP. NO LEASING.
Send your application via email. Please provide scans/photos of the owner’s ID and property certificate. In the body of the email, state the amount you need.

150 000 KES
28 months
4.48% per annum

Loans with a Promissory Note

License #067

Contact us for a loan; we reliably ensure our clients receive a bank loan with just two documents in one visit to the bank. Our services are available to all categories of borrowers, regardless of credit rating and status. We operate without upfront fees or any form of advance payments. All regions without exception; send your applications via email.

150 000 KES
84 months
22.46% per annum

LOANS IN NAIROBI AND REGIONS, ASSISTANCE IN DIFFICULT SITUATIONS

License #064

Assistance is available even for those whose credit history is tarnished by missed payments, debts, and multiple rejections. We handle the entire process, including all preparatory and accompanying work for each client, and cover all costs and expenses that arise during the application process. We do not require advance payments, neither upon the result nor upon the transaction. Our clients do not pay anything. We charge a fixed commission for our services only after the client personally receives the loan funds. Contact us via email.

60 000 KES
42 months
1.88% per annum

Get Bank Loan Up to KES 2,000,000 Processed Quickly

License #064

We will arrange a guaranteed loan for you, with a visit to the bank only to receive the money.
Your credit history and length of arrears do not matter to us.
To receive the money, we need the following information:
1. Kenyan national ID
2. Any other document (NHIF card, driver’s license)
3. The amount of credit you need and for how long
4. Kenyan citizenship, region of residence does not matter.
With our help, you are guaranteed to receive the amount you need.
Call or email us for more detailed terms.
We assist in obtaining a loan for up to 84 months at a low interest rate even in the most challenging situation.

300 000 KES
48 months
15.40% per annum

For a loan, come to us. We assist even in the most challenging situations, including long-term defaults.

License #070

Affordable loans secured by any property in Nairobi.
You can receive from 10,000 to 1,000,000 KES in just one day.
Interest rate from 1.5% per month. Long-term period — up to 30 years.
No need to evict people from the property.
Property ownership remains with you.
Signing a transparent contract on legal grounds.
—Call us for detailed consultation.
09

50 000 KES
8 months
6.18% per annum

Excellent Loans for Any Borrower’s Needs. No Consideration of Credit History

License #064

All types of financing, both private and bank loans, depending on the client’s circumstances and requests. No advance payments, clear and reasonable terms, no expenses required from the client, only two documents needed. We operate throughout Kenya, please contact us via email.

300 000 KES
40 months
10.89% per annum

Direct Loans up to KES 4,000,000. Fast Guaranteed Deal 100%

License #120

* We can help you even if you have: financial burden, current long-term arrears, open court and enforcement proceedings. * Credit limit up to KES 6,000,000, favorable annual interest rate, fast processing times, no mandatory insurance, minimal documentation required. * Genuine assistance, not empty promises. We work only with one trusted bank, the application process is supervised by a competent employee at all stages, minimal rejection rate. * Payment for services only after you receive the funds, no hidden charges, everything is honest and transparent. * Over 10 years in the market. We are recommended! * We welcome your questions and applications via email 24/7! Please provide your contact phone number for our consultant to reach you.

100 000 KES
180 months
5.15% per annum

Credit Money for Kenyan Citizens.

License #068

No upfront payments or insurance. Offering loans without refusal, from personal savings. On the best terms from 300,000 to 4,000,000 Kenyan Shillings.
By ID, for individuals from 19 years old.
Interest rates much lower than banks!
It takes only thirty minutes for processing. Positive decisions for the majority of citizens from any region of Kenya with any types of issues, including unemployed, with poor credit history, and with outstanding defaults. Disbursement on the day of application!
For more information and specific loan application procedures in your case, please inquire via email.

15 000 KES
30 months
15.95% per annum

Credit Assistance for Borrowers with Poor CRB Rating, Debts, Arrears, and Blacklist

License #068

I will help you get money without credit checks. With my assistance, you can expect favorable conditions if you meet the minimum banking requirements: age limit of 20 – 70 years, residence in Kenya, no overdue payments. You will receive the funds with two documents today. I will secure a positive decision for you regardless of your credit history. I will help you take advantage of a favorable tariff with minimal overpayment. The average rate for my clients is 10 – 12%. My borrowers are not forced into insurance or unnecessary services, as I am against any additional investments that increase the cost of the loan. I consider clients with any difficulties and work individually with those on the blacklist. I find beneficial solutions for everyone. Thanks to my assistance, even debtors receive the required amount.

10 000 KES
64 months
7.47% per annum

Assistance in Obtaining Funds Through a Bank. Loan with Bad Credit History

License #066

I offer financial assistance from my own funds at an acceptable interest rate. I consider borrowers with any credit history. Applications for amounts less than one hundred thousand Kenyan shillings will not be considered. Please contact via WhatsApp at +254700299282.

130 000 KES
18 months
29.95% per annum
Loans with High Approval in Kenya
Borrower Rating Rate Amount
PesaPap (Family Bank)
4.5/5 15,7% 4 200 000 KES
SACCOs (Various)
4.4/5 14,3% 3 500 000 KES
DIB Bank Kenya
4.3/5 15% 5 550 000 KES
Progression Credit
4.2/5 16,2% 2 950 000 KES
M‑Shwari (Safaricom/NCBA)
4.2/5 19,5% 900 000 KES
Gulf African Bank
4.6/5 19,9% 2 900 000 KES
Branch
4.1/5 17,8% 5 100 000 KES
Standard Chartered Bank
4.1/5 19,6% 6 700 000 KES
I&M Bank Limited
4.6/5 14,9% 4 400 000 KES
Absa Bank Kenya PLC
4.1/5 15,4% 6 400 000 KES
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