Quick Loans in Kenya

M‑Shwari gives you loans starting from KSh 1,000 up to around KSh 50,000, with a 30-day repayment period, and they charge a 7.5% one-time fee, plus 1.5% excise tax, all cut before the money lands in your M‑PESA. Once approved, the cash reflects almost instantly, and if you delay, they auto-roll it for another 30 days—but they’ll still charge you another 7.5% on what you owe.

M‑Shwari is solid when you just need quick money and you’re disciplined—but cross that 30-day line and it can cost you more than expected.

Tala gives out loans from KSh 1,000 all the way to KSh 50,000, with repayment periods from 15 to 61 days, and charges you a daily interest of 0.3% to 0.6%, plus 20% excise duty on the interest. Once you apply, cash drops straight into your M‑PESA in minutes—fast, clear, and no hidden math.

Tala is one of the smoothest loan apps around, but unless you repay on time, that convenience can turn into a real headache.

With Branch, you can borrow anywhere from KSh 500 to KSh 300,000, and repay in flexible terms between 62 days and 12 months. Monthly interest ranges from 2% to 18%, and once you’re approved, the money lands in your Branch wallet or M‑PESA within minutes—no paperwork, no queues.

Branch is solid for anyone building credit or running a side hustle—but if you borrow long and repay late, that loan can flip on you fast.

With KCB M‑PESA, you can borrow from as little as KSh 1,000 all the way up to KSh 1 million, and clear it within 30 days. They charge a flat 8.64% fee upfront — that includes everything — and once you hit “accept”, your money lands in M‑PESA within seconds.

KCB M‑PESA is perfect for fast, short-term borrowing when you know you’ll repay on time — clean, fast, and no nonsense.

Timiza gives you a chance to borrow from KSh 100 up to KSh 150,000, charging a flat 5% fee plus about 1.08% monthly interest, all due in 30 days. You just dial *848# or open the Timiza app, and before you know it, the money is chilling in your wallet—ready to move to M‑PESA anytime.

Timiza is solid for quick, straightforward loans with clear fees and good savings perks—but you’ve got to repay on time to avoid getting stung.

Zenka gives loans from KSh 500 to KSh 30,000, payable in two easy instalments over 61 days. They charge a starting commission of 5% on the loan amount, and you get the full cost laid out before you hit borrow — no surprises, no fine print.

Zenka is a reliable fast loan with clear terms, but be ready to pay up quickly or risk costs piling.

You can get up to KES 50,000 from Okash with repayment time between 7 and 30 days. The interest starts at 7% per month, and the whole process happens online — once approved, the money hits your account in just a few minutes.

For quick cash, Okash is a solid option, but don’t expect to keep the loan long because the costs pile up fast.

With Fuliza, you can spend up to KES 10,000 more than what’s in your M-Pesa, and the interest comes at 0.05% daily. It works like an overdraft inside M-Pesa, so you don’t have to apply anywhere — just use your phone as usual, and the loan adjusts itself.

Fuliza is great for quick emergency cash, but you’ve got to watch how long you carry the loan or the cost will climb faster than you expect.

You can get up to KES 30,000 from AsapKash, with repayment options between one week and a month, and interest rates starting at about 10% per month. The whole thing is done online, and once approved, the cash lands in your M-Pesa almost immediately.

AsapKash is a handy tool for quick cash, but watch out for the steep interest if you’re not ready to pay back fast.

Creditmoja lets you borrow up to KES 20,000, and you can pay it back anytime between one week and a month, with interest starting at about 12% per month. Everything happens online, and once you’re approved, the cash goes straight to your M-Pesa within minutes.

Creditmoja is a lifesaver when cash is tight, but you better have a plan to clear the loan fast or the interest will bite you.

HF Whizz lets you borrow between KES 5,000 and KES 50,000, with repayment plans from 7 to 30 days and interest starting around 9% per month. The whole thing is online, and once you get the green light, the money lands in your M-Pesa within minutes.

HF Whizz is a good quick fix for cash emergencies, but you must be sharp about paying back quickly to dodge heavy interest.

You can borrow between KES 10,000 and KES 100,000 from HF Izwe, paying back over 30 to 90 days with interest starting at about 8% per month. Everything’s done online, and once you get approved, the money goes straight to your M-Pesa in no time.

HF Izwe is a solid option when you need a bigger loan with some breathing room, but it pays to keep an eye on how much interest you’re racking up.

You can borrow from KES 5,000 up to KES 50,000 with HF Zidisha, paying back anytime between two weeks and two months, and interest starts at about 10% per month. It’s all done online, and once you get approved, the cash lands straight in your M-Pesa wallet without delays.

HF Zidisha is a quick way to get cash when you need it, but you’ve got to be sharp on repayments or the costs can pile up.

Carbon lets you borrow anything from KES 1,000 up to KES 500,000, with repayment options between one and three months, charging interest from around 12% per month. The whole process happens online, and once you’re approved, the cash hits your M-Pesa or bank account within minutes.

Carbon works well for fast cash with flexible terms, but you’ve got to be on time with payments to avoid extra costs.

With iPesa, you can borrow anywhere from KES 500 to KES 50,000, and you get between two weeks and six months to pay back. Interest rates run between 36% and 72% per year, and once you’re approved, the money goes straight into your M-Pesa account.

iPesa is a good option for fast cash, but you have to keep track of payments or the costs can quickly add up.