High Approval Loans in Kenya

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Tala gives you quick loans straight to your M-PESA, starting from KSh 1,000 and growing all the way to KSh 50,000, depending on how you repay. You pick your own repayment date — anywhere between 1 and 61 days — and daily interest starts at 0.3%, with no hidden fees.

Advantages

Approval is easy – Most people get something even on first try, and your limit can double after just a couple of good repayments.
Money lands fast – You apply and within minutes, your loan is sitting in your M-PESA.
Flexible due dates – You decide how long you want to keep the loan—no fixed one-size-fits-all deadline.
No surprises – What you see is what you pay; they don’t sneak in charges or weird conditions.
Your phone builds your score – They use your mobile usage and M-PESA patterns to figure out your limit, not paperwork or payslips.

Disadvantages

It gets expensive if you delay – Interest looks small at first but grows fast if you hold the loan too long.
Late fees hit hard – If you miss your due date, they charge 8% on top—no grace period.
It’s tempting to overborrow – Since loans are instant, it’s easy to borrow casually and regret it later.

Tala works well for people who are disciplined with money, but if you like postponing payments, this one will catch up with you fast.

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M-Shwari allows you to borrow between KSh 1,000 and KSh 50,000 straight to your M-PESA, with a one-time fee of 7.5% and a 30-day repayment period. Once approved, your cash reflects instantly, and no extra forms or apps are needed—it’s already inside M-PESA.

Advantages

It’s already on your phone – No need to download anything new; you just go to your M-PESA menu.
Fast approval – As long as your M-PESA line has been active and you’ve saved something, you’re likely to get approved.
You grow with it – The more you save and repay, the bigger your loan limit becomes.
You earn while you wait – Even your small savings earn interest, unlike many loan apps.
Clear fee, no stories – That 7.5% is flat and upfront—no extra interest, no daily charges creeping in.

Disadvantages

Only 30 days to repay – If you delay, they roll it over for another 30 days, plus you pay the same fee again.
Limits can stay low – If you’re not saving or using M-PESA often, your limit stays small.
Can hurt your credit score – If you default, they’ll report it to CRB, and it may affect future loans.

I think M-Shwari is a solid go-to when used right—but the 30-day clock doesn’t joke, so you better be ready with your repayment plan.

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Zenka gives you mobile loans from KSh 500 up to KSh 30,000 directly to your M-PESA, and you repay it over 61 days in two instalments. The fees start from around 5%, and if you keep paying on time, your limit can grow all the way to KSh 200,000.

Advantages

Getting approved is easy – Even first-timers with no credit history stand a good chance.
Quick cash, no delays – After applying, the money hits your phone in just a few minutes.
They increase your limit fast – Pay on time and your next loan can be bigger than the last.
They don’t hide charges – Everything, from the fees to the repayment date, is shown clearly before you accept.
You can extend your loan – If you’re stuck, you’re allowed to push your due date by 7, 14, or 30 days.

Disadvantages

Fees vary depending on your profile – What starts at 5% can shoot up to 30%+ if you delay or don’t qualify for the best rates.
Late payment comes with pain – Miss your deadline and you get charged 1.5% per day until you clear.
They check your phone data – Your SMS, phone usage and contacts are used to build your credit score, which not everyone’s cool with.

Zenka is great when you borrow with intention—but the moment you delay or take it lightly, it stops being friendly real quick.

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Branch gives out loans from as little as KSh 500 up to KSh 300,000, with repayment terms that range between two months and one year. The interest is charged monthly—from 2% to 18%—depending on your credit score and repayment behaviour.

Advantages

Big loan limits – If you borrow responsibly, your limit keeps growing—some users go all the way to KSh 300K.
Flexible payment terms – You don’t have to repay in a rush; pick between two months to a full year.
No extra charges – You won’t find hidden processing fees or weird deductions—what you see is what you pay.
App also helps you save – You can stash your cash in the app and earn interest—up to 15% per year.
Easy to qualify – They don’t ask for payslips or paperwork, just your phone data and M-PESA activity.

Disadvantages

Interest can build up – If your profile gives you high rates, the APR can hit over 200%, especially if you take long-term loans.
Late payments can sting – You may face late fees or lockouts if you delay repayment.
They scan your phone – Branch reads your SMS, location, and transaction history, which not everyone is okay with.

Branch is solid when used with discipline—but the minute you start delaying or ignoring the cost, it becomes a burden.

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Fuliza gives you a fast overdraft straight through M-PESA — from as low as KSh 1 to as high as KSh 70,000, depending on your limit. You get charged a one-time 1% access fee, and daily fees range from KSh 2.50 to KSh 25 based on how much you’ve used.

Advantages

Always comes through – You can pay bills or send money even when your M-PESA balance is zero.
Your limit grows with use – The more you use M-PESA and repay Fuliza on time, the bigger your overdraft limit becomes.
Three-day grace on small amounts – If you clear overdrafts under 1K in 3 days, you don’t pay daily fees.
No new app needed – It’s built right into M-PESA, so you don’t need to install or apply for anything extra.
Clear fee structure – You know exactly what you’re being charged from day one, no hidden costs.

Disadvantages

Daily charges can pile up – Leaving an overdraft uncleared for weeks will cost more than you expect.
Not for brand-new users – If your Safaricom line is under 6 months old, you won’t qualify just yet.
Block if unpaid – If you don’t clear your Fuliza in 30 days, you get cut off until you pay it all back.

Fuliza is perfect for short emergencies, but dragging out repayment is how people end up losing money without noticing.

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MOGO helps Kenyans get loans for cars, bodabodas, tuk-tuks, and even smartphones, with amounts starting from KSh 22,000 up to KSh 2.5 million. You can repay in flexible terms from 6 months up to 5 years, with monthly interest from around 2.5% depending on the deal.

Advantages

Big ticket items covered – Whether you’re buying a ride for business or a gadget for work, MOGO gives access to high loan limits.
Flexible payment terms – You’re allowed to repay in smaller bits for up to 60 months, which helps manage pressure.
No age limit on what you finance – Old or new car, basic or high-end smartphone, MOGO doesn’t restrict your options.
Quick turnaround – Most loans are processed within 24 hours once you meet the checklist.
Registered and legit – They’re licensed by CBK and follow proper loan regulations, so you’re not dealing with a shady lender.

Disadvantages

Extra charges sneak in – Between application and processing fees, the total cost might be more than what you first expect.
Interest builds slowly but surely – 2.5% per month sounds manageable, but over years it adds up big time.
Your asset is on the line – Miss repayments, and they’ll repossess what you borrowed against—especially cars and motorbikes.

MOGO makes sense when you’re financing something that earns you money—but you need to be ready for the long-term commitment it comes with.

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Okash loans range from KSh 1,500 to KSh 50,000, and once you’re approved, the money hits your M-PESA in under five minutes. You’ll repay in 14 or 21 days, with a flat interest of 14% or 16.8%, and the fee is deducted upfront before you even get the cash in hand.

Advantages

Quick turnaround – From application to disbursement can take less than 10 minutes—no queues, no waiting.
No paperwork hustle – You just need your ID, an active M-PESA number, and to be between 20 and 55 years old.
Loan limits grow fast – Repay on time and you’ll see your loan limit shoot up quickly.
Clear charges – They tell you upfront what you’ll pay—no hidden or surprise deductions later.
Flexible top-up feature – You can clear your balance early and borrow again without having to wait.

Disadvantages

Short repayment window – Two to three weeks can fly by, especially if your income isn’t steady.
You receive less than you borrow – Because they deduct the interest in advance, what lands in your M-PESA is always a bit lower.
CRB and contact shaming – If you delay too long, your name gets listed and your phonebook might hear about it—real talk.

Okash is convenient for quick money, but it’s not forgiving—if you don’t repay on time, it can mess you up fast.

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With Timiza, you can get loans from KSh 1,000 all the way up to KSh 150,000, and pay it back within 30 days. The total charge stands at 7.29%, which includes interest, fees, and excise duty—all clearly broken down before you hit “accept.”

Advantages

Open to anyone – You don’t need to be an Absa customer to use Timiza; even M-PESA users qualify.
Low loan cost – Compared to other apps, their 7.29% all-inclusive rate is easy on the pocket.
Super quick access – Once approved, your loan reflects in minutes.
Grows with good habits – Repay early and they increase your limit fast—no need to beg.
Comes with a savings option – Their Zidisha savings earns you interest, so you can grow even while repaying.

Disadvantages

Withdrawing has a charge – Moving funds from Timiza to M-PESA comes with a small fee (KSh 25–35), so the cash you get is a bit less.
Fixed cost whether early or late – Even if you repay on day 2, you still pay the full loan fee.
Penalty for late payment – If you miss the 30-day mark, a 5% penalty lands on top.

Timiza is well-structured and reliable, but it only works in your favour if you’re organised with time and repayment.

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At Ngao Credit, you can borrow between KSh 100,000 and KSh 4 million, backed by your car’s logbook as security. You’ll pay from as low as 3.5% monthly interest, with flexible repayment periods running from 1 month to 24 months, and disbursement often takes less than 6 hours.

Advantages

Big loan limits, no games – You can access up to 70% of your vehicle’s value, which is solid for business or emergencies.
Same-day processing – Apply in the morning and many clients report receiving funds by afternoon.
Interest rate is pocket-friendly – 3.5% per month is lower than many short-term lenders out here.
Repayment terms are flexible – Up to two years to repay gives you space to breathe and plan.
No CRB checks – Even with a dented credit score, you still stand a chance if you’ve got a car with clean papers.

Disadvantages

You risk losing your car – If you default, they’ll repossess without blinking.
Extra charges on top – Processing, valuation, and even GPS tracking fees are baked in, and they can sneak up on you.
Vehicle age restrictions apply – For some car models, anything older than 2004 is a no-go.

Ngao Credit is a smart move when you need big capital fast, but it only makes sense if you’re fully prepared to protect your car and meet the payment plan.

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iPesa gives out loans starting from KSh 500 up to KSh 50,000, with repayment periods ranging between 91 and 180 days. The cost of borrowing falls between 25% and 36% total — no extra hidden fees, just upfront deductions and a 2% daily penalty for any late payments.

Advantages

No paperwork stress – You only need a Safaricom number and ID to apply—no bank statements or payslips involved.
Loan range suits everyone – Whether it’s a small top-up or a bigger fix, they’ve got you covered.
What you see is what you get – Charges are shown before you confirm the loan, so there’s no guesswork.
Repay early, no drama – They won’t penalise you for clearing your loan before the deadline.
Limit grows with trust – Pay on time, and your future loan limit keeps going up.

Disadvantages

Penalty is steep – Miss your deadline and you’ll pay 2% more for each day you delay.
Short loan cycle – You’ve got up to six months max, so this isn’t for long-term borrowing.
High total cost – The 25–36% charge adds up fast if you’re not keen.

I’d go with iPesa for quick cash when I already know how and when I’ll repay—anything else and it might turn sour real quick.

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At Jijenge Credit, you can get a loan from KSh 100,000 up to KSh 4 million using your car’s logbook as collateral. The money hits your account in just a few hours, and you still keep your car as long as you stay on track with payments.

Advantages

Loans are big and fast – You can borrow up to 70% of your car’s value and get paid the same day.
You stay on the road – They don’t hold the vehicle; you keep using it while paying the loan.
No CRB stress – Your name on CRB won’t lock you out, as long as you’ve got a clean logbook.
Terms that make sense – Repayment can stretch up to 24 months, making it manageable.
Simple process – Paperwork is minimal and their turnaround is one of the fastest in town.

Disadvantages

Your car is the risk – Miss payments, and repossession becomes real very quickly.
Extra costs sneak in – Fees like valuation and tracking add to the final loan cost.
Vehicle must qualify – Old or damaged cars won’t be accepted.

I’d take a Jijenge loan to fund something serious like business capital, but never for quick spending—because once your car is in, you need to stay sharp.

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With AsapKash, you can borrow from KSh 500 all the way to KSh 50,000 straight from your phone, with repayment periods of 91 to 365 days. The interest is capped at 18% annually, and new users often get a small bonus — like KSh 120 off their first loan.

Advantages

No hassle, no queues – Everything happens in the app, 24/7. No bank lines, no forms.
Flexible amounts – Whether you need just KSh 500 for airtime or KSh 50K for a serious gap, you’re sorted.
Interest that doesn’t bite – 18% per year is fair, especially in a market full of apps charging more.
First-time user reward – The app gives you a little discount upfront, which softens the first repayment.
You choose the timeline – Pay in 3 months or stretch it to 12 — you call the shots.

Disadvantages

Daily interest still stacks – Even at a low annual rate, late payments will hurt over time.
App scans your SMS – For credit scoring, they read your phone data — which doesn’t sit well with everyone.
No mercy on late payers – If you default, you can expect penalties or even calls.

AsapKash works well when you borrow with a game plan — but the minute you lose track of your dates, the loan turns expensive.

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With Creditmoja, you can borrow between KSh 2,500 and KSh 150,000, repayable within 30 to 365 days, depending on your limit. Their interest rates range from 12% to 50% APR, based on how long you take and how good your repayment record is.

Advantages

No paperwork hustle – Just your ID and mobile phone; no payslips or guarantors.
Flexible loan limits – Start small and grow your limit over time as you build trust.
Loan hits your phone fast – Once approved, the cash lands in your M-PESA almost instantly.
App is simple to use – No confusing menus or unnecessary steps.
Repayment terms are adjustable – Choose what works for you, short or long term.

Disadvantages

Interest climbs fast – If you stretch repayment, expect your APR to jump up close to 50%.
2% daily penalty for late payments – A short delay can turn into a serious dent in your wallet.
Some users report unclear charges – A few complaints online about interest changing mid-loan.

I’d take a Creditmoja loan for short-term needs where I know I’ll repay on time — it works well when you’re organised, but it’s not forgiving.

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With Okolea, you can unlock between KSh 500 and KSh 250,000 straight to your M‑PESA, often within minutes. Loans run for about 30 days, and the total cost can land you around 11% to 15% in interest, plus a small processing fee from KSh 25 to KSh 300 depending on how much you borrow.

Advantages

Approval chances are high – Even folks without a payslip stand a good shot, since the app checks your phone data, not CRB alone.
Multiple loans at once – You can take up to three loans as long as you’re within your limit, which is handy for juggling small expenses.
They’re upfront with costs – You see the total cost before taking the loan—no funny surprises after.
Late fees don’t spiral forever – Thanks to Kenya’s duplum rule, penalties are capped at the amount you borrowed.
It’s super fast – You apply, and within a few minutes, your phone buzzes with that sweet M‑PESA SMS.

Disadvantages

Delays get expensive fast – Late fees go from 0.5% daily to 1% after 30 days.
Processing eats into small loans – On smaller amounts, that fixed KSh 25–300 fee bites a bigger chunk.
You need a smartphone – No basic phone, no access — the app won’t run on feature phones.

Okolea is a good option when you’re sharp on your repayments — it’s fast, but definitely not forgiving if you delay.

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Berry lets you borrow between KSh 1,000 and KSh 60,000, with repayment terms from 65 to 120 days. The total fee ranges from 9% to 27%, and they show you everything before you hit “Accept” — no guesswork, no fine print.

Advantages

Cash comes fast – Once your M-PESA statement checks out, you get your money almost instantly.
No CRB stress – They don’t use blacklists to lock you out — it’s based on your phone and payment history.
You see the cost upfront – They don’t play with small print; you know what you’re paying before borrowing.
Nice buffer before penalties – There’s a 7-day grace period after the due date before late fees kick in.
Limit grows over time – If you pay back well, they’ll trust you with bigger amounts.

Disadvantages

Long loans get expensive – Choosing longer terms can push your APR toward 260%, which adds up quickly.
Late fee kicks in fast – Miss the grace period and you’ll pay 10% extra on what you owe.
You need smartphone access – The app only works if you’ve got a device that can upload your M-PESA data.

Berry is solid for short bursts of cash, but once you go past the due date, that loan starts charging like a taxi in traffic.

Lender	Loan Amounts (KES)	Loan Terms	Interest Rate	Reason for High Approval
Tala	500 – 50,000	21 – 30 days	From 0.3% daily	No CRB check for first loan; approval is based on data from your smartphone.
M-Shwari	1,000 – 1,000,000	30 days	9% one-time fee	High approval for active Safaricom M-Pesa users based on usage history.
Zenka	500 – 30,000	Up to 61 days	Fee from 9-29%	Very high initial approval rate; first loan is often interest-free to attract users.
Branch	500 – 100,000	Up to 12 months	From 1.7% monthly	Does not require a formal credit history to start. Limit grows with timely repayments.
Fuliza M-PESA	Overdraft up to 70,000	Continuous	1.083% daily access fee	Pre-approved service for M-Pesa users. If you have a limit, access is guaranteed.
MOGO	25,000 – 2,500,000	Up to 60 months	From 2.5% per month	Very high approval rate for car owners, as the loan is secured by the car’s logbook.
Okash	1,500 – 80,000	Up to 365 days	APR from 36%	Minimal requirements for new users, making the first loan easy to obtain.
Timiza (Absa)	100 – 1,000,000	30 days	6.17% one-time fee	Automated approval process open to all networks, not just Absa clients.
Ngao Credit	Up to 5,000,000	Up to 24 months	Competitive secured rates	High approval for asset owners (cars, land), as the loan is secured.
iPesa	500 – 50,000	91 to 180 days	APR approx. 48% – 72%	Designed for quick access with a simple application and high approval chance.
Jijenge Credit	5,000 – 2,000,000	Up to 12 months	From 5% monthly	High approval for logbook loans where the vehicle acts as security.
AsapKash	500 – 50,000	Up to 180 days	APR up to 150%	Low entry barriers and focus on speed lead to high approval rates.
Creditmoja	2,500 – 50,000	91 to 120 days	APR up to 120%	Simple app-based process with minimal initial requirements.
Okolea	500 – 250,000	Varies	From 5%	Uses phone data for credit scoring, allowing more people to qualify.
Berry	500 – 50,000	Up to 65 days	Service fee 9-25%	Focuses on providing a simple, accessible loan with a high chance of approval.