5 Best Loan Apps in Kenya Without CRB Check and Registration

Need an instant loan in Kenya? This post contains a list of the best loan apps in Kenya without CRB check, free registration fee, low-interest rates, and fast disbursement without harassment.

When money is the most crucial necessity for daily survival in the country, many Kenyans have resorted to instant loan apps to resolve their financial predicaments.

So, which is the best loan app in Kenya for Android and iPhone users?

Since the COVID-19 outbreak, inflation has skyrocketed, as seen by the present food and energy costs.

As a result, the number of instant loan apps in Kenya increased, offering citizens low-interest loans with little or no documentation demands.

This article ranks and evaluates Kenya’s best instant loan apps, covering each app’s interest rate, user experience, loan repayment plans, BVN and paperwork requirements, and request processing speed.

Before signing up with one of the best loan apps featured on this page, it is worthwhile to understand the intricacies surrounding loans, the legal requirements, and the consequences of late loan payback.

Never borrow more than you can afford to repay.

If you fall behind on repayments, negotiate with the loan app, learn how to earn money online in Kenya, or seek employment at a high-paying Kenyan job.

Top 5 Best Loan Apps in Kenya without Registration Fee and CRB Check

Here are the best instant loan apps in Kenya with low-interest rates for Android and iOS devices:

1. Zenka

Zenka is the most flexible personal loan platform on the market, giving Kenyans more control over their finances with its unique features.

With a simple registration and application process, you will receive your loan straight to your M-Pesa account.

Zenka currently supports Safaricom and uses state-of-the-art encryption techniques to make sure your data is always 100% secure.

To register and access Zenka loans online, all that is required is your first name, last name, National ID, answer to a security question of the choices provided and a 4-digit PIN number.

Zenka takes many factors into account when evaluating your creditworthiness, including your prior history with the company, data from your mobile phone, and information received from Credit Reference Bureaus.

Loans with 61-day term payable in 2 instalments are offered by Zenka.

You can borrow from KSh 500 to KSh 30,000 from Zenka.

The fastest way to receive higher amounts is to build credit with a positive repayment history with Zenka, easily achieved with successive timely repaid loans.

Zenka charges an interest fee of 9-39%* of the principal amount.

How to Apply for Zeka Loan Online

Here are the right steps to apply for a Zeka loan online:

  • Download the app from site and install it on your mobile.
  • After downloading our app, choose how much money you need and sign up with Zenka.
  • Your application will be evaluated and when it is approved, you will receive money on your M-Pesa.
  • Repay on time and build a positive credit history.

2. Tala

Need instant loans in Kenya? Trust Tala to be there for you.

With over 10 million app downloads, Tala ranks among the most popular loan apps in Kenya.

More than 445k happy customers have rated the mobile loan app 4+ stars.

Its affordable loan rates and flexible repayment options have earned the trust of millions of Kenyans.

The Tala instant loan app in Kenya has helped people achieve their financial goals and build a secure future.

The provided mobile loans in Kenya offer the flexibility of choosing your own due date.

So, you’re in full control at all times.

Tala customers get to double their loan limits as they keep repaying on time.

So, whether you need to pay urgent bills, buy groceries or any other need – Tala is always here for you.

Start your journey with Tala – download the loan app, complete the Tala loan application form online, and request a loan today!

  • Instant loan app – quick loan approval in minutes.
  • Online mobile loans up to KSh 30,000.
  • Fast cash loan disbursement – loans sent directly to MPESA.
  • Easy online loan application – Only 1 ID verification is needed.
  • Pay overtime – take up to 61 days to repay your loan.
  • Low rates – as low as 0.3% per day.
  • Grow fast – 2X your loan limit fast.
  • “0” paperwork – 100% paperless mobile lending app.
  • Just answer a few simple questions and submit your online loan application.
  • Rated one of the best loan apps in Kenya by Tuko and Nasonga.

3. Timiza

Dial *848# or download the Timiza app on your phone and get an instant loan, send money, pay your bills, or purchase airtime and get insurance when you do your banking on your phone with Timiza.

But that’s not all – you can also save and earn returns with our Timiza Savings Account.

To open a Timiza account, you need to first register on Timiza for a transactional account.

Anywhere, anytime you can:

  • Higher loan limits.
  • The lowest facility fees at 5% compared to the market.
  • Differentiated and lower pricing for good repeat borrowing customers.
  • Incentives for early repayment, good transacting behaviour and loyalty.
  • Save with Zidisha savings account.
  • Get instant loans on your phone.
  • Deposit funds into Timiza.
  • Pay KPLC/ZUKU/DSTV/GOTV bills.
  • Purchase insurance.
  • Buy airtime.
  • Get insurance (personal accident and last expense).
  • Request for a cab (Mobile app only).

Enjoy a high return and substantial rewards by saving with Timiza Savings Account.

  • Earn up to 5% return per year on a balance from KES100.
  • The more you save, the higher your chances of growing your loan limit.
  • Interest earned on balances from KES100.
  • If you make only 3 withdrawals per quarter, you can earn a bonus of up to 4%.
  • Do free transfers to and from your Timiza account.
  • No minimum balance required.

4. Zash

Zash loan is a mobile loan lending application accessible by downloading the app on the Google play store.

It provides users in Kenya with personal loans, to help them get through unplanned financial difficulties.

The focus is on resolving the lack of credit access to help employed and self-employed people meet their daily needs seamlessly.

To pay back your ZASH LOAN, send the loan amount to the M-Pesa Paybill number 733555, using the phone number you borrowed with as the Account Number.


  • Interest rate transparency, there is no hidden cost.
  • High quota and low interest fee. Borrow and repay flexibly.
  • Loan Amount: KSh800 to KSh50000.
  • Loan Period: 7-90 days.
  • No credit record is required.
  • Residents aged 18-60 with a stable source of income can apply online anytime and anywhere.
  • The operation is simple, and fast. Apply and receive money in your M-PESA account in minutes.
  • Super technology, full encryption, protects your personal information security.

How it Works

  • Download the ZASH LOAN app from Google play on your Android phone.
  • Register with your M-PESA mobile number.
  • Select the amount you want to apply for.
  • Fill in your basic information and upload your ID photo back and front.
  • Submit the loan application.
  • The application results will be shown on the app and sent through SMS if approved.
  • Once approved, money will be sent to your M-Pesa registered number.
  • Repayment on time.

Application Requirement

  • A national identification card number
  • An android smartphone
  • A registered M-pesa number
  • Place of work
  • Physical address
  • Emergency contact details

5. Kashway

Kashway is like a bank in your pocket, there for you at all times.

The app makes it easy for people in Kenya to access a loan anytime, anywhere.

Complete our application in seconds and receive your loan straight into your bank account.

Requirements are simple – all you need to apply is your phone number, BVN and answering a few questions.

Access to the data on your phone will be requested in order to determine your eligibility.

Currently, the loan sizes range from Ksh 5,000 to Ksh 500,000.

If you repay loans as scheduled, the amount that you can borrow will increase.

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Saint Chinedu

My GOAL is to equip you with the right strategy and working information to improve your academic performance, financial situation, and health this month.

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