Access to quick loans has become essential for many Kenyans looking to manage financial emergencies or fund short-term needs. While many digital lenders impose strict repayment terms, some apps offer flexible repayment plans, allowing borrowers to repay loans in manageable installments.
Here are five loan apps in Kenya known for their borrower-friendly repayment options.
- Tala
Tala is a leading digital lending app that provides loans with flexible repayment schedules ranging from 21 to 61 days. The Tala app offers loans between KES 1,000 to KES 50,000, and assesses creditworthiness using smartphone data.
Tala interest rates vary between 5% and 19%, depending on the loan amount and repayment period.
Read: How to Borrow with the Tala Loan App
- Branch
Branch offers loan amounts starting from KES 150 up to KES 100,000, with repayment periods of up to 62 days. The app stands out for not charging late fees, allowing borrowers to manage repayments without additional penalties.
With interest rates ranging from 2% to 18%, Branch provides one of the most adaptable lending options in the market.
- Zenka
Zenka is another top choice for borrowers looking for flexible repayment terms. The Zenka app allows repayments in installments, with loan durations of up to 61 days for standard loans and an option to extend to 12 months under specific conditions.
Zenka loan amounts range from KES 500 to KES 30,000, with interest rates between 2.45% and 39%. This makes Zenka a suitable option for users who prefer structured and extended repayment periods.
Read: 10 Legit Loan Apps in Kenya 2025
- LendPlus
LendPlus is known for its hassle-free borrowing experience and flexible repayment options. LendPlus loan amounts range from KES 1,000 to KES 50,000, with repayment terms extending from 61 to 90 days.
The app also allows loan extensions, giving borrowers extra time to settle their loans. LendPlus interest rates start as low as 2.2%, making the loan app an attractive choice for those looking for manageable loan repayments.
- M-Shwari
Operated by NCBA Bank in partnership with Safaricom, M-Shwari offers loans ranging from KES 100 to KES 50,000. While the standard repayment period is one month, borrowers have the option to extend their loan repayment, adding a level of flexibility.
M-Shwari interest rates vary, with loans of up to KES 20,000 charged at 3% per annum, while higher amounts attract rates of up to 6%.