Quick, Convenient, fast, Cheap and unsecured Mobile loans in Kenya

May 31, 2025 Hillary Kangwana

Need a quick loan? sample the loan types below. These are mobile loans and require no security/ Guarantee/ Collateral:

M-SHWARI LOANS

The M-Shwari Loan Account is a micro-credit product which allows you to borrow money in times of need or to complement your savings towards an investment or enterprise. A one-time fee of 7.5% is levied for each loan.

Requirements:

One must be an M-PESA subscriber for 6 months,
save on M-Shwari and actively use other Safaricom services such as voice, data and M-PESA.

Key Features:

To enquire how much you can borrow, go to M-Shwari, Loan, check Loan Limit.
You can access loan limits from as low as Ksh.100 and up to Ksh.50,000.
Enjoy repayment period of one month.
Loan repayment can be made via M-PESA, or from the M-Shwari account.

How to quickly get your M-shwari loan:

Access the M-PESA menu.
Select Loans and Savings.
Select M-Shwari.
Select Loan.
Request Loan.
Enter amount.
Enter your M-PESA PIN
Loan amount will be sent to your M-PESA Account. The loan amount to be paid will be in inclusive of the facility fee.

Click on this link for more details: https://www.safaricom.co.ke/personal/m-pesa/do-more-with-m-pesa/loans-and-savings

Branch – Personal Finance Loans

Branch makes it easy for you to access loans for the way you live anytime, anywhere. Sign up in seconds, apply for a loan and receive your money straight to your account. It’s a fast, convenient and reliable way to access credit when you need it.

Available in Kenya, Tanzania, Nigeria and Mexico. You can get up to Ksh 70,000, Tsh 1M, ₦150,000, or 20,000 pesos. Get the right loan for you!

Get your loan right to your mobile money account, like MPesa (Kenya, Tanzania), Tigo Pesa or Airtel Money (Tanzania) — or right to your bank account (Nigeria, Mexico)

IT’S EASY TO GET STARTED

* Create your account
* Apply in seconds
* Receive your loan straight into your mobile money or bank account
* Build your loan limit everytime you repay a loan

Your mobile loan is sent to you right through your mobile money or bank account:
Kenya: Safaricom MPesa
Tanzania: Vodacom MPesa, Tigo Pesa, Airtel Money
Nigeria: Any bank account
Mexico: Any bank account

Click on this link to get started: https://play.google.com/store/apps/details?id=com.branch_international.branch.branch_demo_android&hl=en

Saida – Loans to your M-Pesa

Saida gives you access to fast & convenient loans to your M-Pesa. Use our loans to grow your business, pay your bills or deal with emergencies.

Install Saida now and check if you are eligible for our loans!

Click on this link for more information: https://play.google.com/store/apps/details?id=greenshoe.com.fulani&hl=en

ZIDISHA LOANS

Why join Zidisha?

Accessible: You do not need to have collateral assets, a bank account, guarantors or a salaried job to raise a loan.
Affordable: The cost is lower than bank loans, and you choose your own repayment schedule.
Growth: Your credit limit increases with each on-time repayment, up to a maximum of 1,014,790 KES per loan.

What are the eligibility requirements?

Have a smartphone or regular access to the Internet.
Have a source of income that will allow you to make repayments each week.
Be able to secure recommendations from people in your community.

What are the fees and interest?

Zidisha loans do not carry interest.
Borrowers pay a service fee of 5% of the loan amount, to cover the cost of transferring and administering the loan.
Loans may also carry a required credit risk payment, which is credited to the Members Loan Fund and used for reimbursing lenders in the event of default. Credit risk payments are refundable to the borrower once the loan is repaid.
New borrowers may also be asked to pay a one-time lifetime membership fee, which is deducted from the second loan disbursement.

How much can I borrow? Before taking out a large loan, you must first build creditworthiness by repaying small test loans over a period of time. After that, the amounts you can borrow will increase with each loan that you repay on time, up to a maximum of 1,014,790 KES per loan.

Click here to get started: https://www.zidisha.org/

Tala Kenya Loans

How does it work?
● Apply in 5 minutes
● Get approved in seconds
● Cash sent instantly to your M-Pesa
● Build your credit up to 30,000 KSh by making loan payments on time.

Terms and Conditions:

Tala charges a service fee of 11-15%* of principal.
Repayment schedules may vary; however, the maximum repayment period for a Tala loan is 21 or 30 days from disbursement.
Maximum late fee of 8% of principal.

Click on this link to get started: https://play.google.com/store/apps/details?id=com.inventureaccess.safarirahisi&hl=en

Kopa Chapaa

Kopa Chapaa is a convenient 10 day loan available to Airtel Money Customers for low-value cash emergencies in partnership with Faulu Kenya.

Click on this link for further details: https://www.faulukenya.com/index.php/products/loans/micro-loans

Timiza Loans

The Timiza Mobile App from Barclays is available to you, whether you are a Barclays customer or not. It is your convenient financial self-service channel that allows you to easily open an account, borrow and transact on the go from your mobile phone.

Click here for more details:https://play.google.com/store/apps/details?id=craftsilicon.barclays&hl=en

Haraka Loans

Haraka is the quickest and most convenient way to get a loan while you’re on the go! Haraka can offer you access to credit; anytime and anywhere on the comfort of your mobile phone.
NO BANK ACCOUNTS OR CREDIT HISTORY REQUIRED!

GET A LOAN IN 3 EASY STEPS:
1. Create your account by logging in to Facebook
2. Choose your loan amount and click Proceed
3. Check your Mobile Wallet for your money

Click on this link, for more details: https://play.google.com/store/apps/details?id=com.mybucks.haraka&hl=en

OKash Loans

OKash makes it easy for you to access credit anytime, anywhere.Complete our application in seconds and receive your loan straight to your account. All with low fees and an easy repayment schedule. Available in Kenya.

IT’S EASY TO GET STARTED

* Create your account using M-Pesa login
* Apply in seconds
* Receive your loan straight into your M-Pesa
* Build your loan limit by making repayments on time

Click on this link to get more details: https://play.google.com/store/apps/details?id=com.oplay.microloan.kenya

Scoppe Loans

The app makes it easier to access loans on the go.

Features:
– Exquisite and simple design
– Knowledge of loan application status in seconds
– Loan directly to your mobile money account at any time of day
– Availability of credit history dashboard
– Credit benefits analysis

How it works:
– Log in using your Facebook or Google account
– You will require to scan your National ID or travel passport and input your phone number
– Your loan application is then processed upon accepting Terms and Conditions

Click here for more details: https://play.google.com/store/apps/details?id=com.paddymicro.pesapata.scope&hl=en

KCB- Mpesa Loans

Features:

Upon activating the account, you will be issued with a loan limit from where you can borrow instantly.
Loans issued are deposited into the KCB M-PESA Account.
You can access loan limits from as low as Kes. 50 and up to Kes. 1M.
Enjoy repayment periods of 30 days.
Loan repayment can be made via M-PESA or from the KCB M-PESA account.

How does it work?

Access the M-PESA menu.
Select Loans and Savings.
Select KCB M-PESA.
Select Loan.
Request Loan.
Enter amount.
Enter your M-PESA PIN
Loan amount will be sent to your KCB M-PESA Account less the interest, negotiation fee and excise duty which is deducted upfront.
To access, the loan, go to KCB M-PESA menu and select Withdraw to M-PESA.

For more details, click on this link: https://ke.kcbgroup.com/home/loans/mobile/kcb-m-pesa

M-SHWARI LOANS

Also read;