20 Best Loan Apps In Kenya Without CRB Checks

Loan apps in Kenya without CRB checks

Loan apps have saved many people from financial troubles. And over the years, they have become very popular. Today, there are tons of loan apps out there that make choosing one very difficult.

CRB checks now add to the stress. Most loan apps in Kenya today do a CRB check before they give you loans. And due to some personal reasons, you might want nothing to do with the CRB as they sometimes share personal details.

The good news is that there are some loan apps in Kenya without CRB checks, and we’re going to list 20 of them. 

Do well to read this post to the end as it’ll be very helpful.


The Credit Reference Bureau (CRB) is an agency that was created to keep an eye on borrower behavior to assist credit providers in resolving the issue of non-performing loans (NPLs) and lowering the risk of loan default.

This facility was built for the security of the loan providers. Before making a loan to a user, many lenders check their status on CRB. There are now three CRBs active in Kenya: Creditinfo, Transunion, and Metropol.


If a loan company blacklists you in Kenya by sending your details to the Credit Reference Bureau, you want to be able to borrow loans from other loan companies – except you decide to borrow from loan apps in Kenya without CRB checks, like the ones mentioned in this post.

And if you finally pay up your debt and want to reapply for another loan, the loan terms may be more stringent. I’m quite sure you do not want financial institutions to treat you unfairly.

You may miss out on valuable career opportunities in the future. Most organizations perform background checks and require CRB certificates before employing people. You know what that means if you’re on a loan company’s blacklist.

Being blacklisted affects your credit score negatively. Your credit history influences your credit score. Your credit score may have an impact on your loan application and the interest rates you will pay.

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There are a plethora of loan apps in Kenya but below is a list of the top loan apps in Kenya without CRB checks.

1. Opesa

Opesa is one of the most reputable loan apps in Kenya without CRB checks. Your phone’s data, including Mshwari and Mpesa transactions and phone identity, will be required by this app. And Opesa will ask you to explain why you are seeking the loan. 

Opesa charges between 14% and 16% in interest for short-term loans, compared to 36% for long-term lending. Once the loan has been granted, you have 91 to 365 days to return the whole amount borrowed. The loan amount might range from Ksh 1,500 to Ksh 50,000.

You should be aware that Opesa charges a service fee that ranges from Ksh 100 to Ksh 600, depending on how much you apply for. They, therefore, take the service charge from the loan you are eligible for before transferring the remaining funds to your MPESA account.

In other words, you won’t get everything you asked for. This app can be downloaded from the play store.

2. Branch

Branch offers some of the best loan services. It is one of the top loan apps in Kenya without CRB checks. Since getting a loan does not undergo a CRB check, accessing one takes less than five minutes.

You can borrow from KSh 250 to KSh 70,000. Branch has one of the lowest interest rates of all the loan apps in Kenya. You can easily download the app on your smartphone from the Play Store and your loan will be disbursed into your Mpesa account in a matter of minutes.

A small amount of money can be earned from using Branch by introducing friends. Every time a friend registers using your promo code, you receive about KSh 200.

3. Timiza

Timiza is one of the best loan apps in Kenya without CRB checks. Timiza is not just a loan app. You can send money, pay your bills, or purchase airtime with the Timiza app. They also offer USSD banking by dialing *848#.

With the Timiza app, your safety is guaranteed when performing any transactions. You can also save and earn returns with the Timiza Savings Account. To open a Timiza account, you need to first register on Timiza for a transactional account. 

With Timiza, you enjoy higher loan limits and the lowest facility fees at 5%. You also get incentives for early repayment, good transacting behavior, and loyalty.

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4. Okash

Loan apps in Kenya Without CRB Checks
Loan apps in Kenya Without CRB Checks – Okash

Okash is one of the loan apps in Kenya without CRB checks and it is controlled by OneSpot Technology. Okash gives loans without requiring collateral or conducting a credit check.

But to be eligible for an Okash loan, you must be between the ages of 21 and 55. You also need to have a registered Safaricom line and a reliable source of income.

The interest rate on short-term loans from Okash ranges from 14% to 16.8%, while the interest rate on long-term loans is 36%. The loan amount ranges from Ksh 500 to Ksh 50,000 and is due 91 to 365 days after borrowing.

However, the activation charge of Ksh 100 to Ksh 3,000 is deducted from the amount you are eligible for. Depending on how much you apply for, there is a cost.

5. Tala Loans

Loan apps in Kenya Without CRB Checks
Loan apps in Kenya Without CRB Checks – Tala

Tala is a reputable lender of loans in Kenya and has been in business for a while. Being approved for a loan happens relatively quickly because it is one of the top loan apps in Kenya without CRB checks.

More than 1 million people have downloaded the Tala lending app, which has positive reviews and ratings on the Google Play Store.

Tala is licensed and regulated by CBK. Tala offers fast-growing cash limits of up to KSh 50,000 and has a low interest starting at 0.3% per day. 

6. Utajiri

The Utajiri loan app by Utajiri Mobile is one of the top loan apps in Kenya without CRB checks. It provides Ksh 300 – Ksh 300,000 without conducting a credit check. In general, Utajiri loans have a 91- to 365-day payback period and a 12% annual interest rate.

However, you must pay a Ksh 250 up-front service fee for your account to be operational. Download the Utajiri Loan app from their website to use it. Create an account by providing your information.

Apply for a loan, pay the Ksh 250 application fee, and then wait for the quick disbursement.

7. Mokash

Mokash is one of the top loan apps in Kenya without CRB checks. It provides loans without contacting a credit bureau. Mokash doesn’t levy a service fee like other loan apps in Kenya without CRB checks.

Being free of the CRB check and registration fee makes it one of the top lending apps. However, to be eligible for a Mokash loan, you must be at least 20 years old. For loans between Ksh 2,000 and Ksh 10,000, the yearly interest rate on okash loans is 36%. All loans must be paid back within 91 to 365 days.

8. Berry 

Berry is one of the top loan apps in Kenya without CRB checks. Its flexible repayment policy and low-interest rates make it stand out from other loan apps in Kenya without CRB checks. It charges 8 – 15% of your first loan as a service fee.

You can readily download the Berry app from Google Play Store and register. After verification, you can immediately start borrowing.

For starters, you’ll only be allowed to borrow Ksh. 500. You can work your way to borrow up to Ksh. 50,000 the more you use the app. 

9. M-fanisi

Next on our list of loan apps in Kenya without CRB checks is M-fanisi. M-fanisi is run by the Maisha microfinance bank. You must be at least 18 years old to be eligible for a loan.

You also need to have an active Mpesa with a solid transaction history. The app M-fanisi charges an interest rate of 10% and offers loans between Ksh 200 and Ksh 25,000. After you receive the loan, you have 30 days to pay it back.

You can download the M-fanisi loan app from the Play Store and start borrowing.

10. Usawa

Usawa, which is Swahili for “equality,” fulfills its promise to provide unsecured emergency loans to everyone, regardless of whether they are on the CRB. However, you’ll need a smartphone and an ID. It is one of the top loan apps in Kenya without CRB checks.

To calculate how much you are eligible for, the app gathers information from your phone. Usawa does, however, provide loans ranging from Ksh 500 to Ksh 1,000,000, payable over 91 days or 36 months.

The interest rate on both short- and long-term loans from Usawa is 12%. To activate your Usawa account, you must first pay a Ksh 400 activation charge. This app is available for download on the Play Store.

11. Zenka

Loan apps in Kenya Without CRB Checks
Loan apps in Kenya Without CRB Checks – Zenka

Of all the loan apps in Kenya without CRB checks, Zenka is probably the most flexible to use. It has a very simple registration and application process and you receive your load directly to your M-Pesa account. You can borrow between Ksh 500 to Ksh 30,000 with an interest fee of 9 – 39%.

You can register on their official website or download the app from Google Play Store on your phone. All this is required is your name, National Identification Card, a four-digit PIN, and answers to some security questions.

Your creditworthiness and borrowing history will be considered to determine if you qualify for a loan. With Zenka, a loan of 61 days can be paid installmentally.

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12. Shika

Shika is one of the loan apps in Kenya without CRB checks. It is owned by Alternative Circle, a reputable credit company in Kenya. The Shika app serves as a platform where borrowers can get quick loans from Alternative Circle. 

You can borrow between Kshs 500 to Kshs 20,000 with an interest rate of 15% on the amount you borrowed. Once the loan is approved, you receive the payment within minutes.

To encourage borrowers to pay, the maximum repayment period is a month and you can choose to pay either daily or weekly. Late repayment attracts a 10% rollover fee on top of what you owe. If you don’t repay your debt within 60 days, you’ll be listed with the CRB as a defaulter.

The app can be downloaded from the Google Play Store. You must also have a Safaricom sim card to use Shika. The Shika app can be used for text messaging and provides the latest news on politics, sports, entertainment, etc. 

13. Fadhili

Customers nationwide can get loans using Mkopo Kenya’s Fadhili product with no paperwork and no CRB check. However, they impose a Ksh 400 one-time service charge.

Fadhili loans have a starting amount of Ksh 500 and have a 91- to 36-month repayment period. The interest rate is 21% per year.

To use this app, go to their website, download the Fadhili Loan App, fill in all your details, validate your Safaricom cell number, and activate your Fadhili account by depositing Ksh 400. Fadhili is one of the top loan apps in Kenya without CRB checks.

14. Zidisha

Loan apps in Kenya Without CRB Checks
Loan apps in Kenya Without CRB Checks – Zidisha

Although Zidisha is different from the remaining loan apps on this list, it is still one of the most outstanding loan apps in Kenya without CRB checks.

It is a non-profit lending platform that offers peer-to-peer lending services, and your credit comes from independent lenders, not the organization itself. Zidisha simply connects lenders to borrowers. 

You must have a job or be an entrepreneur, have an active Facebook account, a national ID, a registered Safaricom sim card, and a good credit history to be eligible to use Zidisha.

The app can only be downloaded on Android devices but you can apply for a loan from their website. You can also create a profile on the website. You equally require an active M-Pesa account to receive the money once your application has been approved.

15. Ipesa

iPesa is one of the mobile loan apps in Kenya without CRB checks. It makes borrowing loans very seamless. With iPesa, you can quickly get a loan to M-Pesa without visiting a bank. 

With Ipesa you can borrow loans from Ksh. 500 to Ksh. 50,000 within 91 days to 180 days with an annual interest rate of 12%. Ipesa doesn’t charge any service fee.

When you download and install the app, you’ll register with your M-Pesa number and immediately apply for a loan. The iPesa App scans your phone and collects information such as your phone number and contact details.

This will determine if you can borrow and how much you can borrow. When you repay your loan, you automatically qualify to borrow more.

16. Zash

Zash is among the loan apps in Kenya without CRB checks, and it is one of the best. It offers personal loans to residents aged 18-60 with a stable source of income anytime anywhere.

The beautiful thing about zash is that it has no hidden charges or fees. You can borrow between KSh800 to KSh50,000 and pay it back within 7-90 days. It has a low interest rate and no credit record is required.

Paying back Loans is very easy as all you have to do is send the loan amount to the M-Pesa Paybill number using the phone number you used to borrow as the Account Number. The app can be downloaded for Google Play Store for free.

17. Jazika

The Jazika Loan App is a service provided by Jazika Ventures, which guarantees Mpesa quick loans without a CRB check. Jazika makes it possible to get a loan if you need one to fund an emergency or expand your small business. However, before you can acquire a loan, you must pay a 12% one-time service fee. 

The loan amount ranges from Ksh 500 to Ksh 100,000, with a 61 to 180-day repayment period and a 12% annual interest rate. Jazika is one of the loan apps in Kenya without CRB checks and can be downloaded from the Play Store.

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18. Eazzy

Eazzy is one of the loan apps in Kenya without CRB checks. Eazzy is owned by Equity Bank and they offer loans within 24 hours of applying. You’ll receive the loans in your Equity bank account, Mpesa line, or Equitel sim card. 

If you don’t want to see the app, you can simply dial *247# to get the loan directly to your sim card.

Eazzy offers the highest lending capabilities of all the apps mentioned in this list with up to Ksh 3 million and it still offers a flexible repayment period of up to 12 months. They make repayment so easy by deducting money from your account at a 13% per annum interest rate.

19. Tunzi Capital

Tunzi Capital is one of the loan apps in Kenya without CRB checks and they offer loans between Ksh 1,000 and Ksh 250,000 with repayment terms ranging from 90 days to 48 months.

It has an interest rate of 18% on annual loans and 15% on short-term loans. However, depending on the size of your loan, you must pay a service fee of Ksh 400 to Ksh 1,000.

You can simply download the app from Play Store, create an account, and activate it by playing Ksh 400. Within a short period, Tunzi deposits the loan to your Mpesa account.

20. Kashway

The last loan app on our list of loan apps in Kenya without CRB checks is Kashway. Kashway puts ease into getting loans from anywhere at any time.

When you download the app and register for a loan, you receive it in seconds directly into your bank account.

All you require is your phone number and your BVN. To ascertain if you qualify for a loan, this app will access the data on your phone. You can borrow from Ksh 5,000 to Ksh 500,000. You will be able to borrow more if you pay back your loan when due.

Can you get a loan if you are blacklisted in Kenya?

Yes. You can still get a loan as some lenders in Kenya offer you loans without CRB checks. But you’ll be expected to pay a certain amount which they call an activation/service fee and take personal and employment details before granting you the loan.

How can I clear my name from the CRB?

To clear your name from the CRB blacklist, download the Metropol app, check the name of the lender that blacklisted you, and contact them to resolve the issue. You’ll probably need to negotiate how you’ll pay, after which your name will be cleared from the CRB blacklist.

Do you get placed on CRB by Zenka?

Zenka reports and verifies applicant information using three credit reference bureaus: Metropol, TransUnion, and CreditInfo. After exhausting all other options for getting you to return your loan, Zenka won’t think twice about giving the CRB your information.


Your worries are over with these loan apps in Kenya without CRB checks. Just select any of them and apply for a loan without worrying about a CRB check. You’ll get your loan instantly.

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  • https://siwesbeginner.com
  • https://lowoverdraft.com
  • https://www.tuko.co.ke
  • https://www.yu.co.ke


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