Best Mobile Loan Apps In Kenya

This is a list of the best mobile loan apps in Kenya . There are times when we are held between a rock and a hard place as far as money is concerned, with a limited or no borrowing avenue. In most cases, you find that one has already borrowed from friends, family, colleagues and even banks but hasn’t refunded yet. This is where mobile loans come in handy.

With the ability to borrow from Ksh 100 to Ksh 300,000, one can easily apply for a loan online and get it processed within a few minutes and he/she receives the money without many requirements like those of bank loans. The sheer fact that mobile loans are very convenient and have a flexible repayment plan makes them a favourite among many Kenyans who need loans often.

However, everything is not as rosy as it seems because you must repay within the required time lest you get “Blacklisted” and can’t borrow from any lender again, worse still, some lenders send messages and even call numbers on your contacts list if you default your loan and tell them to ‘tell you’ to repay your loan. This can paint a bad image of you to people on your contact list. Here is a list of the best mobile loan apps in Kenya 2019.


Tala was formerly known as Mkopo Rahisi and is one of the many mobile loan apps which offer instant mobile loans to hundreds of thousands of Kenyans. With 5 million + download on Google Play store and many positive reviews, you can easily conclude why Tala is one of the best mobile loan app in Kenya.

Tala has a 21-30 day loan options that let you choose what is right for you in terms of repayment. 21-day loan payment terms have a one-time fee of 5-11% while the 30-day loan payment terms have a one-time fee of 7-15%. You can borrow from Ksh 100 – Ksh 30,000 on Tala. The maximum repayment period for a Tala loan is 21-30 days from the date of disbursement.

2. Branch

This is one of the best-rated apps on the play store at 4.7 with 5 million + downloads. Branch is available in Kenya, Tanzania, Mexico, Morroco,  Nigeria and India. Loans range from Ksh 250 – Ksh 70,000 over a 4-68 week term. Interest ranges from 10% -27% with an equivalent monthly interest of 1%-14%. There is absolutely no paperwork or collateral needed here and there are no late charges or rollover fees.

3. Saida

Saida gives you access to fast and convenient loans directly to your Mpesa. Saida has a 4.0 rating on Play store and more than 500,000 downloads. It charges a service fee of 3-21% per month of the amount lent to you on how they rate your creditworthiness. The repayment period is within 1,2 or 3 months. Late fees are not charged and a one-time debt collection fee may be charged if your loan defaults by more than 35 days.

4. Zenka Loan App

Zenka is a flexible personal loan platform that is as convenient as it should be. Its well reviewed and has more than 100,000 downloads on Play store. After applying for your loan, it is usually ready in your Mpesa account within 5 minutes. They offer loans starting from Ksh 500 with a commission fee from 9%. Zenka has loan extensions which give you more control over your loan by letting you postpone your due repayment date by 7, 14 or even 30 days.


OPesa is also one of the best mobile apps in Kenya. It has an interest rate of 12%APR with a loan amount from Ksh 500- Ksh 30,000. OPesa also charges an additional service fee to cover the cost of credit scoring, payment cost and account management and this fee vary for the different amounts requested.[irp posts=”20603″ name=”How to Apply and Repay OPesa Mobile Loan Via Mpesa”]

6. Stawika

With a simple and fast registration process, Stawika is your best mobile app when it comes to unsecured mobile loans. It has more than 100,000 downloads on Play store with a 4.2 rating. Stawika automatically evaluates mobile phone data as well as other factors to assign loans. This process takes less than 5 minutes. Stawika has an interest rate of 1% per day for a 21-day loan. They have increased loan limits by offering 21-day loans so that customers can be able to access more than one loan in a month.

7. Timiza

The Timiza Mobile app is from Barclays but available for both Barclays customers and non-customers. With this app, one can access quick mobile loans, top-up airtime for Safaricom and Airtel, pay utility bills, purchase insurance cover, transfer funds to another registered Timiza user for free, request a cab on Little Cab and even track foreign exchange rates. Seems too much for one app right, now that’s convenience right there. Timiza has a 4.2 rating on Play store with more than a million downloads. Timiza has a loan limit of up to Kshs 100,000.

8. Haraka Mobile Loans

Haraka Mobile loan offers easy and quick loans. It has a 4.1 rating on Playstore and more than 500,000+ downloads and is available in Kenya, Uganda, Eswatini, Zimbabwe and Tanzania. Haraka Mobile loan lends from Ksh500 – Ksh 5000 and the loan attracts a 23% interest rate. Haraka loan should be paid within 30 days or rather a month.

9. Utunzi Loan App

Utunzi offers low-interest loans with a flexible repayment plan. Utunzi has more than 100,000 + downloads on Playstore with a 3.2 rating. It offers loans amounting from as low as Ksh 300 to as high as Ksh 300,000 with a 12% interest rate. They also charge a 12% service fee to cover the cost of credit scoring, payment cost and account management.

10. Jazika

Jazika mobile app is a flexible way to borrow emergency cash to run your errands easily. It has a 4.1 rating with 100,000  + downloads on Play store. You can borrow up to Ksh 100,000 on Jazika with a flexible payment plan of up to 30 days. There is also a 5-33% interest on money borrowed from Jazika.

Other mobile loan apps with flexible payment plans and reasonable interests are

  • Okolea
  • Okash
  • PesaZone Loans
John Nyabuto

I help you to save time and live more with the most up-to-date lists, guides, reviews, and advice.