10 Mobile Loan Apps that Work in Kenya

Kenya's mobile lending sector has revolutionized access to credit, with numerous apps offering instant loans directly to M-Pesa and bank accounts. Here are 10 reliable mobile loan apps currently operating in Kenya, complete with their contact information.

1. Tala

Trusted by 8 million customers, Tala offers fast loans up to KSh 50,000 with applications processed in just 5 minutes. The app sends loans directly to your M-Pesa account and is among the most popular loan apps in Kenya.

Loan Range: KSh 1,000 - KSh 50,000
Contact:

• Website: tala.co.ke
• Download: Available on Google Play Store and App Store
• Customer Service: Available through the app

2. Zenka

Zenka offers quick and easy loans up to KSh 200,000 and is one of the most popular mobile lenders in Kenya offering fast loan solutions without collateral.

Loan Range: Up to KSh 200,000
Contact:

• Website: zenka.co.ke
• Download: Google Play Store
• Processing Time: 5 minutes

3. KCB M-Pesa

KCB M-Pesa offers short-term mobile loans ranging from KSh 1,000 to KSh 1 million, based on your credit profile. This is a bank-backed service offering some of the highest loan limits.

Loan Range: KSh 1,000 - KSh 1,000,000
Contact:

• USSD Code: *522#
• KCB Customer Care: 0711 087 000
• Website: kcbgroup.com

4. Timiza (Absa Bank)

Timiza is a product by Absa Bank accessible through mobile applications or by dialing *848# with a 1.56% monthly interest rate and 5% origination fee.

Loan Range: KSh 1,000 - KSh 150,000
Contact:

• USSD Code: *848#
• Absa Customer Care: 0711 056 000
• Download: Google Play Store and App Store

5. Senti

Senti offers hassle-free loans straight to M-Pesa and has received positive reviews from users for loan limit growth.

Loan Range: Varies based on credit profile
Contact:

• Website: senti.co.ke
• Download: Google Play Store
• Customer Support: Available through the app

6. Little Pesa

Little Pesa offers sizeable short-term loans with competitive interest rates and features a Flexipay product allowing loans up to KSh 300,000.

Loan Range: Up to KSh 300,000 (Flexipay product)
Contact:

• Website: littlepesa.com
• Download: Google Play Store
• Customer Service: Through the app

7. MyCredit

MyCredit's head office is located at Absa Towers Loita Street, 11th Floor, Nairobi, with phone number +254 711 349 805.

Loan Range: Varies
Contact:

• Phone: +254 711 349 805
• Email: Available through official channels
• Address: Absa Towers Loita Street, 11th Floor, Nairobi

8. NCBA Loop

NCBA Loop requires users to save and use the app for some time to qualify for loans, as it's regulated by banking authorities.

Loan Range: Based on savings history
Contact:

• NCBA Customer Care: 0711 056 000
• Download: Google Play Store and App Store
• Website: ncbagroup.com

9. HF Whizz

HF Whizz requires users to use it for some time and undergo the KYC (Know Your Customer) process before qualifying for loans.

Loan Range: Varies based on profile
Contact:

• Housing Finance Customer Care: 0709 949 000
• Download: Available on app stores
• Website: housingfinance.co.ke

10. Family Bank Mobile Loan

Family Bank offers instant mobile loans for personal and emergency needs through their mobile platform.

Loan Range: Varies
Contact:

• Family Bank Customer Care: 0711 056 000
• Website: familybank.co.ke
• Branch Network: Multiple locations across Kenya

Important Considerations

When choosing a mobile loan app in Kenya, consider the following:

• Licensing: The Central Bank of Kenya maintains a directory of licensed digital credit providers with their contact information
• Interest Rates: Compare rates across different platforms
• Repayment Terms: Understand the repayment period and penalties
• Customer Reviews: Check app store ratings and user feedback
• Credit Score Impact: Some apps report to Credit Reference Bureaus

Safety Tips

1. Only download apps from official app stores
2. Verify the lender is licensed by the Central Bank of Kenya
3. Read terms and conditions carefully
4. Borrow only what you can repay
5. Keep contact information for customer support readily available

Mobile lending in Kenya continues to evolve, with new features and improved services being introduced regularly. Always ensure you're dealing with legitimate, licensed lenders to protect your financial interests.