The best loan Apps in Kenya without CRB

The best loan Apps in Kenya without CRB

In Kenya's dynamic financial landscape, access to online loans has become a game-changer, whether it's for starting a small business, covering unexpected expenses, or pursuing your dreams. However, traditional lending institutions often require a thorough credit check through Credit Reference Bureaus (CRBs). 

If you're one of the many individuals who want to explore alternative lending options without the CRB check, you're in the right place! In this blog, we'll explore some of the best loan apps in Kenya that offer financial assistance without the hassle of CRB checks.

So, what is CRB?

In Kenya, the Credit Reference Bureau, CRB, is a central system that collects and maintains credit information about individuals and businesses. It is governed by the Credit Reference Bureau Regulations of 2013, established under the Banking Act. 

The primary purpose of the CRB is to provide lenders and financial institutions with access to credit histories and other relevant information about borrowers to help them make informed lending decisions.

Which are the best mobile loans apps in Kenya?

Let us explore the top 10 best mobile loans Apps in Kenya without CRB;


Tala is one of Kenya's most popular loan apps, known for its accessibility and speed in loan processing. The app provides unsecured loans to borrowers based on their mobile phone usage and repayment history. Depending on your creditworthiness, you can access loans ranging from Ksh 500 to Ksh 30,000.


Branch is another trusted loan app in Kenya that offers instant mobile loans. The app evaluates your creditworthiness using various factors, including your mobile money transaction history. Loans typically range from Ksh 250 to Ksh 70,000.


Okash is a micro-lending app that provides quick and easy loans to Kenyan residents. The loan amounts vary, but they can go up to Ksh 50,000. Okash is especially popular for its lenient eligibility criteria.

Zenka Finance

Zenka Finance is an emerging player in the Kenyan lending market. It offers short-term loans without collateral or CRB checks. Loan amounts can range from Ksh 500 to Ksh 30,000.


Haraka is a reliable loan app that provides instant loans to Kenyans needing quick cash. The loan amounts typically range from Ksh 500 to Ksh 5,000, making it ideal for small emergencies.


Saida is a mobile loan app designed to help Kenyan individuals bridge financial gaps. It evaluates borrowers based on their M-Pesa transaction history and other factors. Loan amounts can range from Ksh 600 to Ksh 25,000.

KCB M-Pesa

KCB M-Pesa is a mobile banking service offered by KCB Bank in partnership with Safaricom. While it's closely tied to M-Pesa, it provides access to instant loans without CRB checks. Loan limits depend on your M-Pesa transaction history.


PesaZone is a digital lending platform that offers unsecured loans to Kenyan borrowers. The loan amounts typically range from Ksh 250 to Ksh 50,000, depending on your creditworthiness.

Safaricom Fuliza

Fuliza is a service Safaricom offers that allows M-Pesa users to overdraft their accounts when they don't have enough funds to complete a transaction. It's not a traditional loan app but can provide short-term financial relief without a formal CRB check.


PesaPata is a mobile lending app that offers instant loans to Kenyan residents. The app uses various data points, including mobile money transactions, to determine your creditworthiness. Loan amounts can range from Ksh 500 to Ksh 50,000.

What makes these loan Apps the best in Kenya?

The popularity and reputation of the above loan apps in Kenya may lead to them being considered among the best. These factors include:

  • Quick approval: The best loan apps in Kenya often have a reputation for fast loan approval and disbursement. Borrowers value apps that can provide them with the funds they need promptly, especially during emergencies.
  • Ease of use: User-friendly interfaces and straightforward application processes are essential for loan apps to be considered among the best. Apps that make it easy for borrowers to apply for loans and manage their accounts tend to be favored.
  • Competitive interest rates: Borrowers appreciate loan apps that offer competitive interest rates. Lower interest rates translate to lower borrowing costs, making the loans more affordable for users.
  • Flexible repayment terms: Loan apps that allow borrowers to choose from various repayment terms and frequencies are often preferred. Repayment flexibility allows borrowers to tailor their loans to their financial circumstances.
  • Transparent terms and conditions: Transparency in loan terms and conditions is crucial. The best loan apps provide borrowers with clear information about interest rates, fees, and repayment schedules. There should be no hidden charges or surprises.
  • High loan limits: Loan apps that offer higher loan limits are attractive to borrowers who need substantial financial assistance. However, these higher limits should be accompanied by responsible lending practices to prevent over-indebtedness.
  • Customer support: Reliable customer support is essential for addressing borrower inquiries and concerns. Loan apps that offer accessible and responsive customer service tend to receive positive reviews.

Why CRB is a concern when borrowing in Kenya

Avoiding borrowing from apps or lenders that report to Credit Reference Bureaus (CRBs) might be a strategy some individuals consider for various reasons. 

  • Credit Score: Borrowers concerned about their credit scores may choose to avoid CRB reporting to prevent any negative impact on their credit history.
  • Privacy Concerns: Some individuals may be uncomfortable with their financial and personal information being shared with CRBs. They may prioritize privacy and choose lenders that do not report to CRBs to avoid such data sharing.
  • Lack of Trust: Borrowers may lack trust in certain lenders or the CRB system itself. This mistrust may lead them to seek alternative lending sources that do not report to CRBs.
  • Previous Defaults: Borrowers with a history of loan defaults may find it challenging to access credit from traditional lenders due to their CRB records. They may turn to non-CRB reporting lenders to secure loans in such cases.
  • Loan Accessibility: Some borrowers may believe that non-CRB reporting lenders have more lenient eligibility criteria, making it easier to obtain loans, especially if they have a poor credit history.


In Kenya's evolving lending landscape, the best loan apps without CRB checks offer borrowers accessibility, convenience, and competitive terms. While the definition of "best" may vary based on individual preferences and needs, these apps provide a range of options for borrowers seeking financial assistance without the constraints of traditional credit reference bureau checks.


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