1. KCB M-Pesa
KCB M-Pesa, a collaboration between KCB Bank and Safaricom, is a trusted mobile loan service offering fast and flexible credit. It allows users to borrow within their credit limits and access multiple loans as needed.
The KCB M-Pesa application process is straightforward, making it a preferred choice for many Kenyans. The minimum KCB M-Pesa loan amount is KES 1,000, and customers can enjoy a one-month repayment period with a competitive interest rate of 8.96%.
To apply for a KCB M-Pesa loan, go to the M-Pesa menu, select “Loans & Savings,” choose “KCB M-Pesa,” and request a loan by entering their desired amount and M-Pesa PIN. The loan is deposited into the KCB M-Pesa account, and users can transfer it to their M-Pesa wallet for free.
2. Tala
Tala is a popular mobile loan app known for its quick approval and minimal documentation requirements. Applicants only need a national ID to verify their identity, and approval takes just minutes. Tala offers loans ranging from KES 1,000 to KES 50,000 with interest rates as low as 0.3% per day. There is no need for collateral or a bank account.
To get a loan from Tala, users must download the app, answer a few simple questions to receive a custom credit offer, select their preferred loan amount and repayment date, and receive the funds directly into their M-Pesa account. Timely repayments can increase the user’s credit limit over time.
Read: How to Borrow with the Tala Loan App
3. Little Pesa
Little Pesa provides short-term loans of up to KES 300,000 with flexible repayment plans. Users can borrow and repay in monthly installments ranging from three to twelve months, making it an ideal option for those looking to make significant purchases and pay in installments. Little Pesa interest rates start as low as 4.5% per month.
To apply, users need to download the Little Pesa app, complete a KYC (Know Your Customer) form, and submit their details for quick approval. Upon approval, they receive an SMS specifying their loan limit. Approved loans are instantly disbursed to the M-Pesa account.
4. Dotcash
Dotcash is a secure and reliable mobile loan platform that allows users to borrow between KES 1,000 and KES 80,000. Dotcash loan terms range from 91 days to 365 days, and it caters to users looking for both short-term and medium-term financial assistance. The platform charges a one-time origination fee of between KES 150 and KES 600, while the maximum Annual Percentage Rate (APR) is 36%.
Read: 10 Loan Apps in Kenya with the Lowest Interest Rates in 2025
To access a Dotcash loan, users need to download the Dotcash app, complete a short application form, and submit their request. Loan approval is instant, and funds are immediately sent to their M-Pesa account. Borrowers who repay on time can gradually increase their loan limits.
5. Senti
Senti is a micro-credit app designed to provide quick and accessible loans to Kenyans. With a simple application process, users can receive funds without waiting in queues or dealing with hidden charges. Senti loan amounts range up to KES 5,000, with fast approval and instant disbursement to M-Pesa.
Applying for a Senti loan involves downloading the app, submitting an application, and completing a quick verification process. Once approved, the loan is deposited directly into the user’s M-Pesa account. The platform ensures transparency, with only applicable fees added to the loan.