Top 10 Mobile Loan Apps in Kenya to Get Loans in Less Than 5 Minutes


The following are the top ten Mobile Loan Apps frequently used by Kenyans to get unsecured loans directly to their mobile phones.

Some of these apps like Branch and Tala give bonuses for every member you invite using your promo codes or links given in your apps profile. You can download any of them from Google Playstore.


Since its founding, it used to be called Mkopo Rahisi till it was recently rebranded Tala.  Tala has been well known for providing its loans in the shortest time possible- usually in 5 minutes time.

The app categorizes loanees in the stages namely bronze, silver and gold. As a newbie who has just installed the app in your android device, you are categorized under bronze you can easily get Ksh 500 for a start.

Loanees in bronze category qualify the loan limit which ranges between Ksh. 500 to Ksh. 4999. This limit expands gradually when you keep the app installed and pay your loans on time.

Download it HERE


Just like Tala or any other loan app, Branch has been well known for targeting Kenyans with android and IOS mobile phone devices with active Facebook profile and M-Pesa accounts.

Funds are disbursed via M-Pesa. Branch has pocket friendly and flexible interest rates; no wonder its slowly outdoing the bigwig, Tala because many people have liked it, and given it good ratings on Google Playstore.

A Branch newbie user qualifies for Ksh. 250 to Ksh. 500 loan. Branch also rewards its loanees for inviting others to join, borrow and repay their first loan.

Get the app from Google Playstore and Use my promo code MM79CY and get free Ksh. 400 free on every member you invite, joins and repays their first loan. Continued use of the app and timely payments may secure you loans of up to Ksh 70,000.

Download it HERE


Utunzi is third on our list and is the third most downloaded loan app in Kenya. Utunzi enables loanees to apply for loans ranging from Ksh. 500 to 100,000.

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After installing the app in your android device, you only qualify for the loan after considering your credit ratings on CRB and also depending on how your answer the questionnaire questions at start.

Download it HERE


Haraka is fourth on our list. Haraka loan app has good ratings on Google Playstore and is currently having more than 100,000 downloads. To apply for Haraka loan, you should have a smartphone which can access Google Playstore, an active Facebook account and an Mpesa on your phone. Loans take less than 5 minutes to be disbursed for those who qualify.

Download it HERE


Stawika loan app is fifth on our list. On installing the app in your device, it evaluates your phone data not limited to Mpesa transactions and also CRB ratings using the ID number and other details that you provided on sign up and gives you loans in not less than 5 minutes in case you qualify.

Get the app here


Just like Stawika loan app, Saida uses phone data including calls, SMS and Mpesa transactions to evaluate you and give you loans. Saida also uses your details you provide on sign up to check your ratings on CRB. The process of evaluation is rather long; it takes up to 9 minutes to disburse loans to Mpesa.

Download it HERE

Pesazone Loans

Here comes another loan app; Pesazone. This app is just like other well-known loan apps. The loans are approved almost instantly on installation after checking on a few things in your smartphone such as Mpesa transactions and your credit ratings. Funds are disbursed via M-Pesa. With this app, you can get between Ksh. 250 and Ksh. 5000 loan.

Download it HERE


Okolea takes the eighth position on our list. Just as the name says, Okolea has eased loan approvals and made the lives of many Kenyans simple.  It’s among the fastest growing loan apps in Kenya. The good thing with Okolea is that the loans are given at low interest rates and approvals are done almost instantly. The app currently have 50, 000 Playstore downloads with good star ratings.

Download it HERE


This app can come to your rescue during emergencies and make you avoid hefty bank interests on their loans. The loan approval is simple and fast. Loans are sent to M-Pesa when you qualify

Download it HERE


Craft app is a mobile loan app that enables instant application of loan to Craft inventors and gets decision instant. On loan approval, cash is sent immediately and directly into your M-Pesa account.

Download it HERE


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