List of Quick Mobile Loans in Kenya

Where do I access quick mobile loans in Kenya in 2020? This is a question most of us will find ourselves seeking an answer to as the economic conditions in Kenya get more uncertain. We will always list all quick mobile loans in Kenya and furnish you with the most legit ones. So that when the time comes to need a fast mobile loan, you will know where to go to get one.

At the moment, there are very many mobile Apps offering loans in Kenya. Most times, it is tough to know which ones are legit. In this article, therefore, we will look at the best mobile loan apps in Kenya.

Top quick mobile loans in Kenya

There are various places one can access a quick mobile loan. For instance, there are some mobile banking applications such as NIC Now, Timiza App.

There are also some mobile applications such as Zenka, Zidisha, Tala, Branch. And then there is the ultimate OG in this game, Mshwari and KCB M-Pesa.

Below we will try to discuss quick mobile loans from each category.

1. NIC Now App

NIC Now is a quick mobile loan solution provided by NIC Bank. This mobile loan app is available to NIC bank customers who can access this loan from anywhere, wherever they need it.

To get this app, dial *488# and then follow the instructions given. It is worth noting that one can borrow a minimum of KES 1,000. All loans attract an interest rate of 13.5% and have a one-month repayment period.

NIC Now loan allows you to access instant loans without security.

2. Timiza Loans

Timiza loan is offered by a mobile bank provided by Absa bank Kenya (formerly Barclays Bank).

You can access this application by dialing *848# or downloading it from the google play store. Once you have filled in your registration details, fill in the loan application details.

Once your loan is approved, you should be able to access it via M-Pesa.

It is worth remembering that you should make the repayment of Timiza quick mobile loans within 30 days. One is required to use Mpesa through pay bill number – 300067.

3. HF Whizz App

This fantastic app from Housing Finance is more than a quick mobile loan app. Anyone can get a loan, and you can use it to pay bills, buy airtime, and more. Hf Whizz app should be on your list if you are looking for quick mobile loans in Kenya.

4. Zenka

Zenka is the coolest quick mobile loan provider in Kenya today. Accessing this loan is easy.

Download and install the Zenka Mobile App from the google play store. Fill in your registration details and then follow up with loan application details.

Towards the end of last year, Zenka grew in popularity due to its offering the first loan free of interest charges if repaid within 30 days.

Moreover, Zenka has a flexible repayment period between 30 and 61 days.

5. Branch

Branch offers quick mobile loans in Kenya. Branch loan app has been in operation for quite some time.

If you are very active in using your M-Pesa and Facebook, this is just the place to secure your mobile loan. The more active you are in these two sites, the higher the minimum amount you qualify for a loan from Branch.

Download and Install Branch application from google play store and begin enjoying quick mobile loans without security.

6. Okash Mobile Loan

Onespot technology investment Kenya offers this mobile application to its customers to be able to access quick loans. Through Okash, one can access instant unsecured loans within 5 seconds.

One can borrow up to 500,000 from Okash with a minimum interest rate beginning from 5%.

Download and install the Okash mobile loan app today from the Google play store to access quick mobile loans from it.

Moreover, if you would like to repay the loan you had accessed from Okash, please use the M-Pesa pay bill – 612224.

7. Tala

Tala started as Mkopo rahisi before rebranding to Tala. For years now, Tala has been providing quick mobile loans in Kenya. In just under 5 minutes, one can download, request, and get the requested loan amounts in their M-Pesa.

The minimum loan amount one can access from Tala is KES 500. However, as you keep borrowing and repaying in time, your loan limit keeps growing.

Just like Branch, Tala determines whether to give an individual customer a loan based on their activity on Facebook and the use of M-Pesa services.

8. Saida Loans

Another quick mobile loan provider is Saida. Unlike Tala and Branch, Saida uses Sms, Calls, and M-Pesa information from your phone to measure one’s suitability to access a loan.

Moreover, the vetting process may take a little bit longer than for other applications. As a result, the minimum amount of time for you to access a loan in just 10 minutes.

Download and Install Saida App from google play store to begin enjoying its quick mobile loans.

9. Haraka Loan

Haraka loan app has some very excellent ratings from its customers on the Google play store. This quick mobile loan ranks among the best places to secure a loan while in Kenya.

Download and install the Haraka loan App from Google Play Store and begin enjoying the fruits of your application.

The minimum amount of loan one can access from Haraka is KES 500. Just as the name suggests, you are sure to get your loan amount in only under 5 minutes.

10. Okolea Loan

Okolea Loan is different from Okash. It is one of the quickest places to secure a mobile loan.

One of the best things about the Okolea loan is that you are particular about your loan limit progression each time you pay on time. One’s loan limit automatically grows by 20%.

To access a loan from Okolea,

  • Download and install Okolea loan app from the Google Play store
  • Fill in the registration details
  • Fill in the loan application form
  • once the loan amount is approved, you will be able to receive it via M-Pesa.

11. Utunzi

Utunzi ranks among the highest downloaded mobile loan application in Kenya.

Through Utunzi, One can access between KES 500 – KES 100,000.

It’s important noting that your CRB rating will determine your maximum loan amount: the higher your rankings, the higher your limit.

12. Stawika

Stawika loan ensures that you don’t have to keep worrying about where to get money. It is here for your financial security.

To determine whether to extend a loan to you or not, Stawika will use your mobile phone data.

One can access KES 500 within 5 minutes.

Other quick Mobile Loan applications include:

  • Jazika loans
  • Pesazone loans
  • Pesaplus
  • Fetti loans
  • Loanika
  • Jumbo Pesa loan


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Vivian Munga
Hi, Vivian here. I am a banker by profession and a personal trainer on matters personal finance. You will find some of my work in this blog on personal loans and feel free to hit me up if you have a question. Enjoy your stay here.


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