In 2025, mobile loan apps in Kenya continue to play a crucial role in providing quick financial solutions to individuals and small businesses. With an increasing number of Kenyans relying on digital lending platforms, competition among mobile loan providers has led to improved services, more flexible repayment terms, and diverse loan amounts.
Below is an overview of the best mobile loan apps in Kenya in 2025.
- Tala
Tala remains a popular choice for borrowers looking for instant loans with minimal requirements. The Tala app offers loan amounts ranging from Ksh 2,000 to Ksh 50,000, with flexible repayment periods between 21 and 61 days.
Tala interest rates start at 5% for shorter loan durations and can go up to 19% for 30-day loans. Tala’s key advantage lies in its fast approval process, with loans being disbursed directly to M-Pesa within minutes.
- Branch
Branch continues to attract users with its accessibility and higher loan limits, ranging from Ksh 500 to Ksh 300,000. With repayment periods of up to 62 days, interest rates vary from 2% to 28%, depending on the borrower’s creditworthiness.
The Branch platform does not require a CRB check for smaller loans, making it a viable option for individuals with limited credit history. Loan processing typically takes less than 24 hours, and once approved, funds are sent directly to the borrower’s M-Pesa account.
Read: The Top 10 Loan Apps With the Lowest Interest Rates in Kenya
- Timiza
Timiza, offered by Absa Bank Kenya, provides a convenient option for those who do not have an Absa bank account. Users can access loans of up to Ksh 150,000, with an interest rate of 1.56% per month.
With a repayment period of 30 days, the Timiza app ensures instant processing and disbursement of funds to M-Pesa, making it a reliable choice for emergency financial needs.
- Zenka
Zenka is recognized for its quick emergency loans, allowing users to borrow up to Ksh 30,000 with repayment periods of up to 61 days. Borrowers with good repayment history can extend their loan terms up to 12 months.
Zenka interest rates vary from 9% to 30%, and while small loans do not require a CRB check, larger amounts might be subject to credit history evaluation. Disbursement is instant, making Zenka a reliable option for urgent financial needs.
- iPesa
iPesa caters to borrowers looking for longer repayment terms, offering loans from Ksh 500 to Ksh 50,000 with durations ranging from 91 to 180 days. The iPesa app charges a 12% annual interest rate, and funds are disbursed instantly to M-Pesa. With no CRB checks required, iPesa provides an accessible option for those in need of short- to medium-term financing.
Read: iPesa and Lendplus: Which Loan App Works Best for You?
- LendPlus
LendPlus is another app offering quick loans, with limits of up to Ksh 50,000 and a maximum repayment period of 61 days. The Lendplus app charges a daily interest rate of 2% and does not require a CRB check for first-time borrowers. Its fast approval process and direct M-Pesa disbursement make it a convenient choice for those seeking urgent financial assistance.