Top Loan Lending Mobile Apps

person using android smartphone

For a fact, there are 35% of Kenyans that loan money to meet their household needs, while 37% loan for business reasons. While there is a lot of interest in these instant loan apps in Kenya, in reality some Kenyans can’t resist the temptation. 

Are you in the same position as a Kenyan who wants immediate cash but has no one to rely on other than intent mobile lenders? Second, it is important to make the fairest transactions. That’s what  this article focuses on.

List of 20 best loan apps in Kenya 

Loan apps Borrow limitInterest rate Payment period 
TalaKSH 2,000 – KSH 30,00011-15% of the loan amount21-30 days
BranchKSH 250 – KSH 100,00017-35% of the loan amount4-52 weeks 
KCB MPESAKSH 1,000 minimum8.64% of the loan amount30 days 
ZenkaKSH 500- KSH 30,00070.7-224.89% APR61 days 
StawikaKsh 200 – Ksh 30,00015% of the loan amount30 days
TimizaKsh 50 – Ksh 150,0001.17% of the loan amount30 days
UtunziKsh 500 Ksh 50,00012% of the loan amount21 days 
HarakaKsh 500 – Ksh 5,00023.45%7-31 days
ZidishaUp to Ksh 1 million0% interest (only Ksh 1,000 membership fee required)Not specified 
iPesaKsh 500 – Ksh 5,00012% APR91-180 days 
OpesaKsh 1,500 – Ksh 50,00016% maximum APR91-365 days 
Saida Ksh 600 – Ksh 100,0000-21% monthly2.5- 6 months 
OkashKsh 500 – Ksh 50,00036% maximum APR91-365 days 
BerryKsh 1,000 – Ksh 50,0009.25% monthly65-120 days 
EazyKsh 100 – Ksh 200,0002-10% of the loan amount30 days
Lion CashKsh 2,000 – Ksh 70,00016% APR91-365 days
AsapKash Ksh 500 – Ksh 8,00018% APR91-365 days
MokashKsh 2,000 – Ksh 10,00020% of the loan amount14 days
OkoleaKsh 500 – Ksh 500,0000.5% daily 2-28 days 
Zash Ksh 500 – Ksh 50,00025% maximum APR91-365 days

Fastest loan apps in Kenya

From the 20 best loan apps in Kenya list above, these are the requirements and loan applications process for the best loan apps in Kenya.

1. Tala

Requirements for a loan at Tala 

Users need to meet these qualifications to apply for a loan at Tala: 

  • Be 18 years or older
  • Have a registered MPESA number that has been active for at least 6 months
  • Own a Kenyan ID
  • Have an Android smartphone
  • Have a good credit score

Registration and Loan Application

  • Download and install the app on your phone. 
  • Start up the app and select your language preference 
  • Register an account. 
  • Go to Loan Application, click “Apply” and follow the  steps below.

2. Branch loan app


Users should meet these requirements to apply for a Branch loan:

  • Registered MPESA number
  • Facebook account
  • Kenyan ID
  • Android smartphone
  • Good credit rating
  • Download

Registration and Loan Application

  • Download the Branch loan app from Google Play and install it on your phone 
  • Launch the app and sign up for your account 
  • Sign in to the app and go to “Rental Options” on the home screen. 
  • Please enter your personal information and MPESA number 
  • Select Loan and tap ‘Apply’ . 


Requirements to join

  • You have to be a registered MPESA customer
  • Kenyan ID 
  • Smartphone
  • Good credit rating

Registration and Loan Application

  • Go to the MPESA menu on your phone and select Loans and Savings 
  •  Go to KCB MPESA 
  •  Select Loan and  click  Request Loan 
  •  Enter the amount you want to borrow, then enter MPESA pin
  •  Tap Send

4. Stawika Loan App

Requirements to join 

  • Be at least 18 years
  • Good credit rating
  • Registered MPESA number
  • Android smartphone
  • Registration and Loan Application

Registration and Loan Application

Here are the steps to take:

  • Download and install the Stawika app on your phone 
  • Follow the sign-up instructions to register your account  
  • Wait for Stawika to show your credit limit 
  • Tap ‘Apply’

5. Timiza Loan App


  • Be a registered Safaricom customer
  • You must have an active MPESA line of at least 6 months 
  • Good credit rating
  • Kenyan ID
  • Registration and Loan Application

Registration and Loan Application

  • Download and install the Timiza app on your phone
  • Sign up for an account using your MPESA number and create a unique 4-digit password
  • Sign in to your account to access My Loans 
  • Click ‘Apply’ and wait for the chosen amount to be paid to your Timiza account

6. Zenka 


  • Registered Safaricom and MPESA lines (active for at least 6 months) 
  • Android smartphone 
  • Kenya ID 

Registration and Loan Application 

 The methods are as follows: 

  • Download and install Zenka from Google Play.  
  • Register to an account with your full name and phone number.
  • Accept the terms of use and wait for a confirmation message. 
  • Log in to the app to access your credits.
  • Enter the loan amount and  payment period. 
  • Click  Get Loan and wait for confirmation message.

7. Utunzi Loan App

Requirement to join 

It is required to fill a questionnaire when registering on the Utunzi app.

Registration and Loan Application

Follow these steps:

  • Download the Utunzi loan app and install it on your phone.
  • Sign in with your personal information. 
  • Sign in to the app and select “Apply for Lion”. 
  • Please enter the desired amount .
  • Answer a questionnaire.
  • Attach the ID and add the reference.
  • Send application.

8. Haraka Loan App

Requirement to join 

 Haraka expects  to meet the following requirements: 

  •  MPESA registered user 
  •  You should have a Kenyan ID card 
  •  You own an Android smartphone 
  •  Have a clean CRB record 

Registration and Application 

You do not need much personal information from you to register for an account with Haraka. You can create a Haraka account just by registering for a Facebook account. Payment of credits will inform you how much you will allocate to Haraka. Once you are notified of the limit, you can apply for a fast loan and set a period.

9. Zidisha Loan App

To borrow from Zidisha, you must meet the following requirements: 

  •  has internet access  
  •  Have a source of income  that allows you to make weekly payments 
  •  Recommended by trusted community leaders 

Registration and Loan Application 

 Once your loan request has been processed, you will need to fill out an application form and pay a premium membership fee of 1,000 Ksh (one-time fee). Please note that the Zidisha loan will incur a 5% service charge and  credit risk payment (530%). However, I’m not interested. You can borrow up to Ksh.1M in total.

10. iPesa Loan App


These are the current requirements for getting iPesa loan eligibility:

  • A registered M-PESA line that has been active for at six months at least 
  • Internet-enabled smartphone
  • Be 18 years or older
  • Kenyan ID
  • Download app

You can download iPesa on Google Play or Apple Store.

As soon as you have downloaded and installed the app on your mobile phone, you should go further and register for an account.

Account Registration and Loan Application

You will need to follow this guide to register for an account with iPesa and apply for your loan:

  • Launch iPesa on your phone
  • Click ‘New Registration’
  • Give iPesa access to your available phone contacts, SMS, and alternative data
  • Wait for the confirmation message to activate 
  •  Set password 
  •  Apply for a qualified loan  
  •  Wait for cash on your phone 

 All iPesa payments number is 192010.

11. Opesa Loan App


The general eligibility requirements are: 

  • Be 18-55  
  • Do you have a Kenyan ID 
  • Have an MPESA line that has been active for at least 6 months 
  • Have good credit  
  • Ownan Android smartphone 
  • Internet access 

With Opesa, you have 91365 days to repay a loan with up to 36% APR. Also, if you fail to pay, the loan will be penalized on July 2.4 and you will have to pay a service charge of Ksh 100-Ksh 600. All Opesa payments are made via invoice number 606280. 

Registration and Loan Application 

The general procedure for registering and applying for an Opesa loan is as follows: 

  • Download the app on your phone. 
  • Launch the app and  fill in the contact information and job information related to the application form  
  • By signing up, you  agree to the  terms of use of the app. 
  • Put in a pin and wait to see how well you qualify 
  • Apply for a loan and wait to receive the money over the phone

12. Eazy Loan App in Kenya


You must meet these conditions to apply:

  • Be an active Equity account holder of six months at least 
  • Have a good credit score

Generally, Equity allows you to borrow an Eazy Loan either through the app or an Equitel line.

Registration and Application

  • Download and install the Eazy app on your phone.
  • Register using personal details before logging on to the app.
  • Select loan.
  • Look for the Plus (+) sign and click on it to opt for ‘request loan.’
  • Pick the bank account that you want the money to be transferred to.
  • Enter the amount you wish to borrow.
  • Select Request Loan.
  • Ensure the details are correct and accept the terms and conditions. 

13. Berry Loan App in Kenya

All Berry payments are through the pay bill number 977888.


You can download Berry from Google Play. The minimum requirements are: 

  • Must be over 14 years old 
  • Have an MPESA line that has been active for  at least 6 months 
  • Own a smartphone 
  • Have a good credit  
  • Have a Kenyan ID card or a valid passport 

Registration and Loan Application 

The general procedure for registering for a Berry account and applying for a loan is as follows: 

  • Download the Berry on your phone and install it. 
  • Launch the app and log in with the MPESA line 
  • Wait to receive the OTP code via SMS that you need to enter to set the PIN 
  • Sign in to your account to see if you have become eligible 
  • Select a loan and accept the terms 
  • Wait  about 2 minutes to get the loan

14. Mokash Loan App in Kenya


The requirements for downloading Mokash are: 

  • Must be 20 years old or older 
  • Do you have a Kenya ID 
  • Have an active MPESA line (active for at least 6 months) 
  • Allow Mokash access to your phone 
  • I have an android phone 

Please note that Mokash charges a two-year late repayment penalty. It is also worth noting that Mokash has a short-term loan that will be repaid within 14 days and attract a 20% interest rate. All payments from 

Mokash will be made to invoice number 4023691. 

Registration and Application 

  • To register and apply for  Mokash credits: 
  • Download Mokash from your mobile app store and install it on your mobile phone.
  • Start it and log in with your personal information.
  • Select and apply for the applicable loan.
  • Wait for the loan to be executed.

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