24/7 Loans in Kenya

Life doesn’t wait — neither do these loans. You can apply even at night or on Sunday. Help is always available.

Online application

Need cash fast? M‑Shwari gives you mobile loans from KSh 1,000 all the way to KSh 1 million, straight into your M‑PESA — no paperwork, no stories. You pay a 9% fee upfront (7.5% loan cost plus 1.5% tax), and you’ve got 30 days to sort your repayment. If you keep money in your M‑Shwari savings, you earn up to 6% interest per year, depending on how much and how long you save.

Advantages

You get money any time, any day – even at night or on weekends, loans come in within seconds.
No queues or hustles – apply straight from your phone, no need to visit a bank or fill long forms.
Your savings grow your loan limit – the more you save, the more you qualify for.
Good returns on savings – 3% to 6% per year, better than many local accounts.
You can repay early, no extra charges – clear the loan before 30 days and avoid roll‑over stress.

Disadvantages

That 9% fee is heavy – especially for people borrowing small amounts, it bites.
Your money gets locked – if you don’t clear the loan, your savings are frozen.
Late payment attracts more charges – miss the deadline and another 7.5% hits you again.

I’d say M‑Shwari works well if you plan yourself – delay even once and that 9% feels like a punishment.

Online application

Tala gives you quick mobile loans from KSh 1,000 up to KSh 50,000, sent directly to your M‑PESA in minutes. Depending on how long you borrow, you’ll pay a one-time fee of around 15%, which can go down to as low as 5% for loyal customers — with repayment periods from 21 to 61 days.

Advantages

Fast cash, no delay – loans hit your phone in less than five minutes, even at 2 AM.
Flexible repayment – you choose your repayment date, either short-term or up to two months.
No CRB stress – you don’t need to be listed anywhere or give security to qualify.
Loan limit grows fast – pay back well, and within weeks you could double your limit.
Everything shown upfront – no surprise charges; you see what you’ll repay from the start.

Disadvantages

Loan fee feels high – even 0.3% per day adds up; it’s easy to ignore how costly that gets.
Late fees hit heavy – miss the deadline and an 8% fee jumps on top.
They read your phone data – Tala checks your SMS, phone usage and more, which can feel a bit much.

Tala is super quick and works for emergencies, but if you’re not sharp with your repayment game, it can cost you more than you expect.

Online application

You can borrow anywhere from KSh 500 up to KSh 100,000 through the Branch app, and the cash hits your M‑PESA in just minutes — no long queues or forms. Repayments stretch between 2 months to a full year, with monthly interest from 2% to 18%, depending on your loan history and amount.

Advantages

Loans drop instantly – you request, they send, even late at night or during holidays.
Repayment is flexible – some take two months, others go all the way to 12 months.
No security or paperwork – no payslips, no guarantors; your phone is enough.
Their savings wallet is solid – gives you 15% interest per year, paid every week, and you can withdraw anytime.
What you see is what you pay – interest and timelines are clearly shown before you accept.

Disadvantages

Some loans get pricey – if your score is low, monthly rates can be high, especially over long terms.
Late payments attract fees – and not everyone spots that early enough.
They check your phone data – things like SMS, app activity and phone usage influence your limit.

I’d say Branch is a solid option if you’ve got discipline — the money is fast and the app is clean, but high interest will sting if you drag your feet.

Online application

Fuliza lets you sort bills or send money on M‑PESA even when your balance is low, with limits that can go all the way to KSh 70,000. You get charged a small 1% access fee upfront, then daily fees starting from just KSh 3 depending on how much you borrow—if you repay small loans within 3 days, hakuna charges at all.

Advantages

You won’t be stuck – When your M‑PESA says “insufficient funds,” Fuliza comes through like a real one, covering the gap automatically.
Limits grow with you – If you repay on time and use M‑PESA often, your limit grows slowly pole pole to even 70K.
Clear charges – No funny maths. You know what you’re paying: fixed 1% to access, then daily fees based on how much you used.
Free for 3 days (small loans) – Borrow under KSh 1,000 and repay within 3 days, no daily fees—just the access charge.
Auto-repay – Once you top up your M‑PESA, Fuliza takes its share—no need to remember or line up anywhere.

Disadvantages

Fees pile up – If you delay repaying, the daily charges can become a headache, especially on big overdrafts.
Blocked if overdue – If you stay unpaid past 30 days, Fuliza cuts you off until you clear everything.
Extra taxes inside – The 20% excise duty on fees makes it juu kidogo than what you expect.

Me I’d say Fuliza is a solid backup plan, but only if you’re disciplined enough to repay fast—otherwise, it can eat your cash pole pole.

Online application

With KCB M‑PESA, you can borrow anywhere from KSh 100 to even KSh 1 million straight from your phone, and they charge you a flat 8.9% upfront. The loan lasts 30 days, and you repay directly via M‑PESA or from your KCB wallet—no hustle, no forms, no queues.

Advantages

Money lands instantly – As soon as you’re approved, the cash reflects in your M‑PESA faster than airtime.
Small start, big future – Whether it’s KSh 100 or a cool million, the more you repay on time, the more you qualify.
Clear charges – No funny interest stories—just one straight 8.9% fee deducted before you get the money.
Savings help you grow – Using KCB M‑PESA savings boosts your loan limit and earns interest too.
Borrow again anytime – Once you repay, you can top-up or reborrow any time, 24/7.

Disadvantages

Loan term is tight – You’ve got to pay back in 30 days, or they’ll start slapping on extra fees.
They chop the fee first – That 8.9% gets deducted upfront, so you receive slightly less than the amount you asked for.
Newbies start low – When you’re new, the system gives you kidogo limits till you build trust.

KCB M‑PESA is proper for short-term cash boosts—just make sure you clear it on time before the month ends.

Online application

Timiza gives you loans from as low as KSh 100 to even KSh 150,000, with a flat 5% fee plus 1.083% interest, both slashed off before you get the money. You borrow through the app or *848#, and cash lands in your Timiza wallet fast—then you can send it to M‑PESA when ready.

Advantages

Cash is instant – Once they approve you, the money lands faster than a flash.
No need for paperwork – As long as you’re on Safaricom and your CRB is clean, you’re good to go.
You know the cost upfront – Timiza shows you exactly how much they’ll take in fees before you confirm.
The more you save, the more you can borrow – Keeping money in your Timiza wallet helps grow your loan limit.
Rewards for good behaviour – Early repayments and loyalty can boost your score and unlock bigger limits.

Disadvantages

You get less than you borrow – The charges are cut first, so your wallet sees less.
The cost can bite – The fees sound small, but the total monthly cost adds up quickly if you’re not sharp.
Late fees sting – Miss the 30-day mark and they slap you with an extra 8% roll-over charge.

Timiza is great for quick emergencies, but you better respect that 30-day window or it’ll drain you silently.

Online application

Zenka gives you fast cash from KSh 500 all the way to KSh 30,000, paid back in two instalments over 61 days. They charge you a commission starting from 5%, and you see the full cost before you tap “confirm”—no tricks, no hidden stuff.

Advantages

Super quick money – You apply on the app, and boom—your cash lands in your M‑PESA within minutes.
Split repayment feels easier – You get two chances to repay within two months, which makes it less stressful than one big hit.
Everything is shown upfront – They break it down before you borrow, so you know the fee, interest, and exact due dates.
You grow with them – If you repay clean and on time, they bump your limit—some people go even beyond KSh 100K.
Top-up or extend if stuck – If things go sideways, you can extend your loan or top it up without drama.

Disadvantages

It’s not cheap – That 5% might look small, but if you delay or keep rolling over, the charges stack up heavy.
You only get one shot – You can’t run multiple loans at once, even if your limit allows it.
M‑PESA charges add up – Sending or repaying through mobile money eats a few more bob from your side.

Zenka’s smooth if you pay back fast, but slack off even once and it eats into your wallet big time.

Online application

Okash dishes out loans from KSh 1,500 up to KSh 500,000, and you’ve got 15 days to clear it. They take a 1.2% interest daily, and if you delay, they slap you with a 2% daily rollover fee—so it’s fast, but not cheap at all.

Advantages

You get cash fast-fast – From the time you hit “apply” to the moment M‑PESA chimes, it’s barely a few minutes.
No hustle with paperwork – No one’s asking for your payslip or guarantor—just your ID and mobile number.
Your limit grows as you repay – Clear your loan well and your next limit shoots up, even hitting half a million for loyal users.
You see the math upfront – That 1.2% per day is clear, no guesswork—so you know what you’re getting into.
Easy payback options – Use M‑PESA, pay early in the app, or settle it in chunks.

Disadvantages

Daily interest piles up quick – In just 15 days, you’re looking at around 18% on top. Delay and it gets even worse.
Rollovers drain your wallet – If you don’t clear on time, 2% per day stacks aggressively.
Pushy recovery tactics – Miss payments and you might get bombarded with calls—or worse, your friends could get that embarrassing SMS.

Okash is the kind of loan that helps when you’re cornered—but you must move smart, or it’ll eat your cash faster than you blink.

Online application

Family Bank’s PesaPap app lets you borrow from KSh 1,000 up to KSh 200,000, and they charge a flat 6.62% fee upfront (that covers processing, interest, and insurance). You have 30 days to clear it, and if you miss the date, the loan just rolls over—with interest plus a 5% collection fee tagged on.

Advantages

You choose your size – Whether you need KSh 1K for airtime or 200K for a school fee emergency, the system fits both.
No bank hall drama – Just dial *325# or use the app, and boom—you apply, qualify, and receive in minutes.
No hidden math – They break it down clearly: one 6.62% fee covers it all, so no shockers later.
Wallet or M‑PESA repay – You can pay it off from your PesaPap wallet or direct from M‑PESA—your choice.
Tied to your savings – The more you keep in your wallet, the better your odds of qualifying or getting a higher limit.

Disadvantages

You get slightly less than you borrow – They slice the 6.62% off upfront, so your M‑PESA sees a bit less.
Late pay = more pain – Miss that 30-day mark and they hit you with a 5% collection fee and extra bank interest.
Rollover isn’t free – The loan auto-extends, but it comes with costs—so delay wisely.

PesaPap is solid if you’re disciplined and know you can repay on time, but don’t borrow and chill—it’ll cost you later.

Online application

Creditmoja gives you access to loans between KSh 2,500 and KSh 50,000, and you choose how long you want to repay—anything from 3 months up to 12 months. Interest sits between 12% and 50% APR, depending on how long you take, and once approved, the money hits your M‑PESA quick with no need for collateral.

Advantages

Flexible timelines – You decide whether you want to finish in 91 days or stretch it out to 12 months.
Can handle real-life needs – With limits up to 50K, it’s not just for airtime—you can fix emergencies or boost a side hustle.
No guarantor, no drama – Just your phone, your ID, and a few taps—done.
They show you the fees first – You get to see your full interest rate and repayment plan before you accept anything.
Everything online – From application to disbursement, no queues, no papers—just your phone and Wi-Fi.

Disadvantages

More time means more money out – That one year might sound sweet, but the interest keeps climbing the longer you go.
Late payment = stress – Miss your date, and you’ll deal with penalty fees or loan extensions you didn’t plan for.
Some users complain of silent fee bumps – A few folks online said their loan ended up costing more than expected—so read that fine print.

Creditmoja is a good option when you need decent cash and flexible time, but don’t get too comfy with long terms—they bite harder the longer you take.

Online application

With iPesa, you can borrow anything from KSh 500 to KSh 50,000, and pick a repayment period between 14 and 180 days. They charge you a flat fee between 25% to 36% per loan, and if you delay, a 2% penalty per day kicks in—so it’s fast, but not cheap.

Advantages

Cash lands fast – You apply in the app, and within minutes the money is in your M‑PESA.
Flexible loan size – Whether you need lunch money or to sort out rent, they’ve got amounts from 500 bob to 50K.
They show the charges upfront – You get to see how much you’ll pay before you confirm anything—no stories.
Choose how long to repay – 14 days, 30 days, 3 months, even 6 months—you decide what works for your pocket.
No penalties for clearing early – If you pay off before time, no one punishes you for being responsible.

Disadvantages

The total cost is heavy – Even if it’s a “once-off” fee, 25% to 36% is no joke when stretched over weeks or months.
Late fees hurt – That 2% daily penalty adds up very fast if you miss your deadline.
They don’t play soft when you default – Some users say iPesa will call your friends and family if you ghost them.

Pesa gets you money when you’re really cornered, but if you don’t repay sharp-sharp, that loan can stress your whole month.

Online application

AsapKash sorts you with loans from KSh 500 to KSh 50,000, and you get to pay it back over 3 to 12 months. They charge you a small 0.05% daily rate (around 18% per year), and the money hits your M‑PESA almost instantly once approved.

Advantages

Low interest for a loan app – Most apps hit hard, but 0.05% per day is actually light for Kenya standards.
Money moves fast – No paperwork, no waiting for hours—just apply in the app and the cash drops in minutes.
Loan limit grows with you – Start small, repay well, and you could unlock bigger limits—some folks go beyond 50K.
You choose the time – Whether it’s 3 months or the full year, the timeline is all on you.
New users get small wins – Sign-up bonuses and app coupons sweeten the first-time experience.

Disadvantages

They check your phone hard – The app digs into your SMS and call logs to score you—some people find that a bit too much.
It adds up if you delay – Even low daily interest bites when stretched over months, so don’t slack.
Defaulting gets loud – They ask for emergency contact info, so if you don’t pay, your people might hear about it.

AsapKash is one of the better choices if you’re looking for a longer-term loan without drowning in interest—but you better be ready to repay clean and keep your phone data clean too.

Online application

Carbon gives out loans from KSh 500 to KSh 50,000, with repayment periods from 1 to 6 months, and a flat charge between 25% and 36% per loan. You apply straight from the app, no paperwork needed, and the money lands in your M‑PESA or bank account almost instantly.

Advantages

Fast disbursement – You apply, confirm, and boom—cash reflects in minutes.
Flexible repayment options – Whether you want to sort it in one month or take six, the app lets you decide.
You get rewarded for discipline – If you repay on time, they give you cashback and bump your loan limit.
They’re upfront with fees – The 25–36% is fixed per loan, and they show you the cost before you confirm anything.
Zero fees for money transfers – You move cash, save in the wallet, and earn interest without hidden charges.

Disadvantages

That flat fee isn’t light – It may look okay at first, but it still eats deep, especially if you borrow often.
Delay can mess you up – Their penalty structure isn’t very clear, but late repayment most likely comes with hidden pain.
They dig into your data – The app wants access to your SMS, mobile wallet, and phone records to approve your loan.

Carbon works well if you’re organised and clear your debt early—but if you get too comfortable and slack, that flat fee will sting hard.

Online application

With Okolea, you can borrow from KSh 500 to KSh 500,000, repay it in 30 days, and the charges are simple — 11.15% base interest plus a risk fee between 12% and 15%, depending on your profile. Processing fees start from just KSh 25 and go up to KSh 300, and you’ll see everything laid out before you hit confirm.

Advantages

They grow with you – Start small, build trust, and soon your limit can hit six figures.
You see every fee upfront – No sneak charges — interest, excise, and even penalties are clear from the start.
Flexible repayment sources – Pay through M‑PESA or straight from your bank account — whichever works faster.
Rewarded for paying early – If you clear your loan before the 30 days, you enjoy lower interest rates — as low as 5%.
You can juggle multiple loans – As long as you stay within your total limit, Okolea lets you manage up to three loans at once.

Disadvantages

Short repayment window – You’ve got 30 days to pay — not a shilling later.
Late fees pile up quick – Miss the due date and you’re slapped with daily penalties: 0.5% per day for 30 days, then 1% daily after that.
Upfront charges cut your cash – The processing fee is sliced off before you even see your money, especially noticeable with small loans.

Okolea works best for people who know how to manage short-term loans — it’s clean, fast, and upfront, but not forgiving if you slack on repayment.

Online application

Berry gives you loans from KSh 500 to KSh 50,000, with short terms of 7 to 30 days, charging about 9% interest per month, plus a one-time 5% processing fee. You apply through the app, and once approved, the cash hits your M‑PESA almost instantly—no drama, no queues.

Advantages

Speed is unmatched – You apply and money lands in your M‑PESA faster than a flash.
Short-term and straight-up – Perfect for emergency weeks where you just need a small boost to fix your cash flow.
They show you everything upfront – You see your interest, processing fee, and due date before confirming—no shock later.
7-day grace period is a lifesaver – Even if you’re late, they give you a full week before penalties start piling.
You can grow with them – Repay consistently and your limit and score increase with time.

Disadvantages

Interest is high if you roll over – 9% monthly sounds light, but that’s over 100% per year if you keep borrowing.
They slice the fee before payout – That 5% is deducted upfront, so you don’t get the full amount you applied for.
Penalties show up fast after grace – Once that 7-day window closes, a 10% late fee drops without warning.

Berry is sharp for quick fixes and short-term gaps, but delaying repayment is where the real cost begins—so borrow only what you can clear fast.

1. What is a 24/7 loan, and how is it different?

It’s a loan you can apply for any time — whether it’s late at night or early in the morning. These services are fully digital, so you don’t need to wait for business hours to get help.

2. What’s the process for applying?

Most lenders use apps or websites. You’ll fill out a short form with your ID and contact details, and if approved, the money is usually sent to your mobile wallet within minutes.

3. Do I need a payslip or formal job to qualify?

Not necessarily. Many lenders accept applications from people with informal or seasonal income, as long as there’s some sign you can repay.

4. Are there extra fees besides interest?

Yes. Some lenders charge for things like loan processing, late payments, or early repayment. It’s smart to look at the total repayment amount — not just the advertised rate.

5. Can this type of loan affect my credit rating?

It can. If you repay on time, it may improve your credit record — but missed payments could damage it, especially if the lender reports to credit bureaus.

6. Are there options if I need money urgently but want to avoid borrowing?

Absolutely. You might consider a salary advance, mobile overdraft, or even support from a savings group. These can sometimes be less stressful and more flexible depending on your situation.

Lender	Loan Amounts (KES)	Loan Terms	Interest Rate	Key Features / Promotions
M-Shwari	1,000 – 1,000,000	30 days	9% one-time fee	Available 24/7 via M-PESA menu; No processing delays.
Tala	500 – 50,000	21 or 30 days	From 0.3% daily	Instant decision and disbursement, anytime. Rates may decrease with good history.
Branch	500 – 100,000	Up to 12 months	From 1.7% monthly	24/7 access via app; approval in minutes without human intervention.
Fuliza M-PESA	Overdraft up to 70,000	Continuous (settled on deposit)	1.083% daily access fee	Always-on overdraft to complete transactions anytime.
KCB M-PESA	100 – 1,000,000	30 days	8.64% one-time fee	Instant loans available 24/7 directly on Safaricom phone menu.
Timiza (Absa Bank)	100 – 1,000,000	30 days	6.17% one-time fee	Fully automated loan service available round-the-clock via app.
Zenka	500 – 30,000	Up to 61 days	Fee from 9-29%	First loan often interest-free. Fully automated and always available.
Okash	1,500 – 80,000	91 to 365 days	APR from 36%	App-based service with immediate processing 24 hours a day.
PesaPap (Family Bank)	500 – 100,000	30 days	~7.5% per month	Instant mobile loans for Family Bank account holders, available 24/7.
Creditmoja	2,500 – 50,000	91 to 120 days	APR up to 120%	Simple application process on the app, available anytime.
iPesa	500 – 50,000	91 to 180 days	APR approx. 48% – 72%	Designed for emergency cash needs with 24/7 availability.
AsapKash	500 – 50,000	Up to 180 days	APR up to 150%	Fast mobile loans available at any hour.
Carbon	500 – 50,000	Up to 64 weeks	From ~5% monthly	24/7 access to loans through a comprehensive financial service app.
Okolea	500 – 250,000	Varies	From 5%	Promises loans in less than 5 minutes, operating 24/7.
Berry	500 – 50,000	Up to 65 days	Service fee 9-25%	Flexible repayment schedules, instant access to cash anytime.