HomeBanking and FinanceMobile Loan Apps10 Best Mobile Loan Aps in Kenya 2024

10 Best Mobile Loan Aps in Kenya 2024

Accessing loans via mobile phones is one of the best thing that has ever happened in the mobile technology. Other than securing loans from banks through their apps, one can also get loan through loan apps. Here are some the best loan apps in Kenya;


Tala, introduced by Tala Mobile on March 16, 2014, stands as one of the most widely utilized loan services. Garnering a remarkable 4.7-star rating from over 346,000 reviews and boasting more than 5 million downloads, it has solidified its prominence. Tala offers loan amounts ranging from KES 500 to KES 30,000, accompanied by adaptable interest rates contingent on the repayment duration. For instance, the interest rate for a 21-day period stands at 11%, while for 30 days, it increases to 15%.


Launched on March 19, 2015, by Branch International, the Branch app has earned widespread acclaim, with a rating of 4.7 stars from over 186,000 reviews and over 5 million downloads. It provides loan amounts ranging from KES 250 to KES 70,000, with interest rates varying from 13% to 29%. Additionally, Branch offers repayment periods of both 21 and 30 days.


Barclays presents Timiza, a loan service introduced on March 15, 2018. Despite its slightly lower rating of 4.2 stars from over 10,000 reviews, it has accumulated over 1 million downloads. Timiza facilitates loans from as low as KES 50 to a maximum of KES 150,000, with interest rates capped at 6.08%. Typically, repayment spans 30 days.


Zenka Finance introduced Zenka on November 13, 2018, and despite being relatively new, it secures a respectable position as the fourth most popular loan service. With a rating of 4.2 stars from over 10,000 reviews and 500,000+ downloads, Zenka offers loan amounts ranging from KES 500 to KES 20,000, with a fixed interest rate of 29% repayable over 30 days.


Launched by OneSpot Technology Ltd on February 1, 2018, Okash boasts a rating of 4.1 stars from 45,000 reviews and over 1 million downloads. Its loan amounts range from KES 2,500 to KES 50,000, with interest rates varying depending on the repayment period—14% for 14 days and 16.8% for 21 days.


TK Ltd introduced Opesa on December 6, 2018. Despite its recent entry, it has garnered a commendable 4.1-star rating from 14,000 reviews and over 1 million downloads. Opesa offers loans from KES 2,000 to KES 10,000 at a fixed fee of 16.8%, with a repayment period of 14 days.


Released on March 22, 2017, by Okolea International, Okolea boasts a rating of 3.9 stars from over 6,000 reviews and more than 100,000 downloads. It provides loan amounts ranging from KES 500 to KES 50,000, with flexible interest rates tied to the repayment duration—5% for 2 days, 8% for 7 days, 11% for 14 days, 13% for 21 days, and 15% for 30 days.


SENTI is a convenient micro-credit mobile application enabling users to effortlessly request and repay loans directly from their smartphones. To update the app, you have two options: either follow the provided link and click on “Update,” or navigate to Google Play, search for “SENTI,” and then select “Update.” For any inquiries or assistance with any issues you encounter, feel free to contact us at 0712517910. Our team is dedicated to resolving your concerns promptly and effectively.

Zash Loan

Zash Loan offers instant financial assistance to individuals across Kenya, catering to various needs such as business expansion, shopping expenses, or handling unforeseen emergencies. Here are the key features of our product:

Loan Amount: Zash Loan provides loan amounts ranging from KSh 1000 to KSh 80,000, ensuring flexibility to address diverse financial requirements.

Loan Period: Borrowers can enjoy a repayment window spanning from 91 days to 365 days, granting ample time to manage and settle their loans comfortably.

Maximum Loan Limit: With a maximum loan limit of Ksh 80,000, Zash Loan empowers users to access substantial financial support based on their eligibility and requirements.

Whether it’s enhancing business ventures, fulfilling personal needs, or tackling unexpected financial hurdles, Zash Loan stands ready to assist individuals throughout Kenya with prompt and reliable loan services.


Creditmoja – Cash Loan App, provided by Creditmoja Limited, is a mobile financial application available at no cost. It functions as a platform for individuals in Nairobi, Kenya, seeking personal cash loans. This service operates entirely online, allowing users to complete the entire borrowing process digitally.

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