Access to quick credit has become increasingly convenient with the rise of mobile loan apps. However, many of these platforms require a Credit Reference Bureau (CRB) check, making them inaccessible to individuals who may not have a strong credit history. Fortunately, some loan apps assess creditworthiness using alternative data sources such as mobile money transactions, smartphone usage patterns, and repayment behavior. Here are loan apps in Kenya that do not require a CRB check:
- Tala Loan App
One of the most well-known loan apps is Tala, which evaluates borrowers based on their mobile phone usage and repayment habits. With loan amounts ranging from KSh 500 to KSh 50,000, Tala offers a quick disbursement process, often within minutes of approval. The Tala app applies daily interest rates between 0.3% and 1%, translating to an annual percentage rate (APR) of about 11% to 36%.
- Branch Loan App
Similarly, Branch provides instant loans without requiring a CRB check, relying instead on mobile money transaction history. Loan limits range from KSh 250 to KSh 70,000, with interest rates varying from 2% to 18% per month. Approved loans are disbursed almost instantly, and repayment terms extend up to 62 days.
- Okash Loan App
Another notable app is Okash, which offers quick loans based on transaction history rather than CRB records. Borrowers can access amounts between KSh 1,500 and KSh 50,000, with the potential to reach KSh 500,000 for users who build a positive repayment record. Interest rates range from 14% to 16.8% for short-term loans of 14 to 21 days, with repayment periods extending up to a year.
Read: 10 Loan Apps in Kenya with the Lowest Interest Rates in 2025
- Zenka Loan App
Zenka also provides loans without collateral or CRB checks, analyzing user behavior and financial transactions instead. Loan limits start at KSh 500 and can go up to KSh 30,000, with interest rates ranging between 9% and 39% for a 61-day loan term. Zenka is known for its rapid loan disbursement, often within minutes.
- Haraka
For borrowers seeking ultra-fast loans, Haraka is a suitable option. This app leverages smartphone data to determine creditworthiness, allowing users to borrow between KSh 500 and KSh 30,000. Loan disbursement is almost instantaneous upon approval, and repayment periods range from 21 to 61 days.
- Mokash
Mokash, a platform that partners with mobile network operators, offers instant loans via mobile money services. With loan amounts between KSh 500 and KSh 30,000, Mokash applies a flat fee of 15% per loan term. The repayment period is typically 30 days, and disbursement is immediate upon approval.
- Saida
Another alternative is Saida, which focuses on financial inclusion by offering flexible repayment options without the need for CRB verification. Borrowers can access loans between KSh 500 and KSh 50,000, with repayment terms extending from 30 to 60 days. Saida ensures quick loan processing and disbursement.
Read: Best Mobile Loan Apps in Kenya for 2025
- PesaPata
PesaPata evaluates creditworthiness based on mobile money transactions rather than CRB records. Loan limits range from KSh 500 to KSh 50,000, with a service fee of up to 7% for a 30-day loan. The app provides fast loan disbursement, typically within minutes.
- Kashway
For users looking for a seamless borrowing experience, Kashway is a viable choice. It offers loans from KSh 1,000 to KSh 50,000 without requiring CRB checks. While interest rates are not publicly disclosed, they remain competitive within the market. Loan disbursement is fast, usually within minutes, and repayment periods range from 91 to 180 days.
- Lendplus Loan App
Lendplus is another mobile lending app known for its quick approvals and accessibility, even for those without smartphones. Borrowers can access amounts from KSh 500 to KSh 50,000, with interest rates typically around 14% per loan term. The repayment period varies from 91 to 180 days, and disbursement is prompt.
- Fuliza
Although not a traditional loan app, Fuliza by Safaricom offers M-Pesa overdrafts without a CRB check. Users can access funds instantly during transactions, with daily fees of 1% on the overdraft amount. Repayment is automatically deducted from future M-Pesa deposits, with a maximum repayment period of 30 days before penalties apply.