Apply online for your first loan – Safe 10 minutes service

Apply for a loan
Apply online for your first loan – Safe 10 minutes service

Best Reasons

Financially Sound

Financially Sound

Simple, swift access right from your phone. Only a single document needed to apply



A direct lender that values responsibility and innovation. We ensure your data's security and help in hard situations



Quick and easy solutions right from your home. We transfer funds instantly and offer loan prolongation

Getting Loan Steps


Apply Easily With Our App

Fill out an application form directly in our app.


Waiting on Decision

Be on the lookout for our fast decision within 15 minutes.


Claim Your Funds

Secure your funds, generally processed in just one minute.

Download loan app

User Reviews



Loan Apps Kenya made the loan application process incredibly easy and efficient. I received my funds quickly and without any hassle. Highly recommend!


Upendo B.

The customer service at Loan Apps Kenya is top-notch. They were always available to answer any questions I had and made sure I was fully informed throughout the process.


Kamogelo A.

I am amazed at how fast and simple it was to get a loan through Loan Apps Kenya. The website is user-friendly and the approval process was a breeze.


Jadine Van Blerk

Loan Apps Kenya offers competitive interest rates and flexible repayment options. I appreciate the transparency and honesty in their terms and conditions.


Nelleke Botes

Thanks to Loan Apps Kenya, I was able to cover my unexpected expenses with ease. I am grateful for their fast and reliable service. Will definitely use them again in the future.

Apply Easily With Our App

Fill out an application form directly in our app.

Download loan app

Online loans in Kenya via M-Pesa

  • Amount 500 KES to 30,000 KES
  • Minimum repayment period 61 days
  • Maximum repayment term 365 days
  • Interest rate 0,01% - 2% per day
  • Decision 5-15 minutes
  • Age of borrower 18-62 years old
  • Occupation Currently employed or with a stable source of income
  • Location Kenyans that are currently living in the Kenya
  • What are the requirements National ID, Mobile phone


Loan apps have revolutionized the way people in Kenya access credit. With the rise of digital lending platforms, it has become easier and faster for individuals to borrow money whenever they need it. In this article, we will discuss the benefits and usefulness of loan apps in Kenya.

Convenience and Speed

One of the major benefits of loan apps in Kenya is the convenience and speed they offer. Traditional lending institutions such as banks may require a lot of paperwork and time for approval. However, loan apps enable borrowers to apply for a loan and receive funds within minutes. This is especially useful in emergencies when quick access to funds is essential.

  • Loan apps have simplified the borrowing process, making it more convenient for borrowers.
  • The quick approval and disbursement of funds make loan apps a popular choice among Kenyans.

Flexibility in Loan Amounts

Loan apps in Kenya offer flexibility in loan amounts, allowing borrowers to choose the amount they need based on their requirements. Whether it is a small amount for daily expenses or a larger sum for a major purchase, loan apps provide options for borrowers to tailor their loans to their specific needs.

Accessible to Everyone

Another advantage of loan apps in Kenya is that they are accessible to everyone, including individuals who may have had difficulties accessing credit from traditional sources. Loan apps do not require collateral or a good credit score, making them an inclusive option for those who may have been excluded from the traditional banking system.

  • Loan apps have opened up access to credit for individuals who may have been previously excluded from borrowing.
  • They provide a financial lifeline to those who need immediate funds but may not qualify for loans from traditional lenders.

Convenience of Repayment

Loan apps in Kenya also offer the convenience of repayment through mobile money platforms such as M-Pesa. This makes it easier for borrowers to repay their loans without the need to visit a physical location. The seamless integration with mobile money services simplifies the repayment process for borrowers, ensuring timely repayment and avoiding late fees.


In conclusion, loan apps in Kenya offer numerous benefits and are incredibly useful for individuals in need of quick and accessible credit. From the convenience and speed of approval to the flexibility in loan amounts and repayment options, loan apps provide a valuable financial tool for Kenyans. With the rise of digital lending platforms, loan apps have become an integral part of the financial landscape in Kenya, providing a lifeline for those in need of immediate funds.


What are loan apps in Kenya?

Loan apps in Kenya are mobile applications that provide small, short-term loans to individuals in need of quick financial assistance.

How do loan apps in Kenya work?

Loan apps in Kenya typically require users to download the app, register, and provide personal information and banking details. Users can then apply for a loan within the app and receive funds directly into their bank account or mobile money wallet.

What are the requirements to qualify for a loan from loan apps in Kenya?

Requirements to qualify for a loan from loan apps in Kenya may vary, but generally include being a Kenyan citizen or resident, having a valid national ID, being over 18 years old, having a mobile phone, and a steady source of income.

How much can I borrow from loan apps in Kenya?

The amount you can borrow from loan apps in Kenya varies depending on the app and your creditworthiness. Loan amounts typically range from as low as Ksh. 500 to as high as Ksh. 50,000 or more.

What are the interest rates and repayment terms for loans from loan apps in Kenya?

Interest rates for loans from loan apps in Kenya can be high, sometimes exceeding 15% per month. Repayment terms also vary, with some apps offering flexible terms while others require repayment within a short period, such as 30 days.

What happens if I am unable to repay my loan from a loan app in Kenya?

If you are unable to repay your loan from a loan app in Kenya, you may incur additional fees and interest charges. Some apps may also report non-payment to credit bureaus, which can negatively impact your credit score and future borrowing opportunities.