In 2025, mobile loan applications continue to play a crucial role in enhancing financial inclusion across Kenya. These apps provide instant access to credit, enabling individuals to cover emergencies, support small businesses, or manage day-to-day expenses. Here are the 5 best loan apps in Kenya to borrow from in 2025.
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Hustler Fund
Hustler Fund, operated by the Kenyan government, stands out as one of the most affordable loan options available. With an annual interest rate as low as 8.5%, it provides cost-effective credit solutions. Borrowers can access loans ranging from KES 500 to KES 300,000, with repayment terms extending up to 36 months. This platform encourages responsible borrowing by increasing loan limits based on repayment history.
To borrow from the Hustler Fund, you only require a Kenyan ID and an active M-Pesa line. Unlike many financial institutions, Hustler Fund does not use CRB status as a barrier to accessing loans. The Hustler Fund is accessible via *254# or the Hustler Fund app, with instant loan disbursement upon approval.
Read: iPesa and Lendplus: Which Loan App Works Best for You?
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Tala Loan App
Tala is renowned for its user-friendly interface and quick approval process. It assesses creditworthiness using smartphone data and M-Pesa transaction history, making it a convenient option for borrowers who may not have traditional collateral. Tala provides loans ranging from KES 500 to KES 50,000, with repayment periods between 14 and 61 days. Applicants need a Kenyan ID, an active M-Pesa account, and a good CRB standing to qualify.
The Tala loan borrowing process involves downloading the app from the Google Play Store, registering with personal details, and applying for a loan directly through the platform. Once approved, disbursement typically takes only a few minutes.
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Branch Loan App
Branch has evolved into a digital microfinance bank, offering flexible personal and business loans. Borrowers can access credit between KES 500 and KES 300,000, depending on their risk profile. Interest rates range from 17% to 35% annually, and repayment periods extend from 62 days to one year.
To qualify for a Branch loan, applicants must have a Kenyan ID, an active M-Pesa account, and a good CRB standing. To borrow from the Branch loan app: users download the Branch app, register their details, and link their M-Pesa account. Loan approvals are processed quickly, with funds disbursed within 24 hours.
Read: 10 Loan Apps in Kenya with the Lowest Interest Rates in 2025
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KCB M-PESA
KCB M-PESA, a collaboration between Kenya Commercial Bank (KCB) and Safaricom, offers some of the highest loan limits available, reaching up to KES 1 million. This platform is particularly popular due to its integration with M-Pesa and competitive interest rates of 7.5% for a one-month term. The repayment period is set at 30 days, making it ideal for short-term financial needs.
To qualify, users must be active Safaricom M-Pesa customers with a good CRB standing. The KCB M-PESA loan application process can be completed via *844#, the KCB M-Pesa app, or the M-Pesa app. Once approved, the funds are instantly disbursed into the borrower’s M-Pesa account.
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Zenka Loan App
Zenka is a popular loan app in Kenya, known for its fast disbursement and flexible repayment terms. First-time borrowers benefit from a 0% interest rate on their initial loan. Loan limits range up to KES 50,000, with repayment periods spanning from 7 to 90 days.
Eligibility criteria include a Kenyan ID, an age range of 18 to 60 years, and no CRB check for the first loan. To borrow from the Zenka loan app, users download the Zenka app from the Google Play Store, register their details, and apply for a loan directly within the app. Once approved, disbursement is instant.