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25 Best Loan Apps in Kenya: List of Borrowing Apks – Branch, Tala, Zenka, Timiza & Hustler Fund

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A search for the best loan apps in Kenya continues amid tough economic times. We have sampled a list of reliable mobile phone applications that can give you instant access to cash, just when you need it.

These paperless platforms are particularly preferable because they are simple and highly accessible.

25 Best loan apps in Kenya

We live in an age where loaning apps are speedily replacing traditional money lenders such as banks and Saccos.

As a result, anyone can now access funding without appending a signature or committing multiple guarantors.

1. Branch loan app

The branch loan app is real, simple, and reliable with world-class financial services. Its founder Matt Flannery is a strong believer in the power of financial accessibility.

How do I get a loan from my branch App? Start by downloading the Branch app then create an account. Submit your details for review, then apply for the loan directly into your account.

CountyBranch contacts

Navigate the Branch website ‘’ for more details.

2. Tala loan apk

Executives say that Tala is licensed and regulated by the Central Bank of Kenya with loan charges of as low as 0.3% daily.

Tala brags about being a global technology company building the world’s most accessible financial services.

Good credit score users in Kenya, Mexico, the Philippines, and India can access loans of up to Ksh. KSh 50,000.

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The loaning app has previously been featured on Wallstreet Journal, TED, and Tech Crunch.

3. Berry loan app

Low fees and a flexible repayment schedule make Berry a user-friendly option for easy cash seekers.

Berry loans come with a 7-day grace period for delayed repayments.


Even better, the company is a registered member of the Digital Lenders Association of Kenya (DLAK).

How do I get a berry loan? Download the Berry loan app then register an account. After that, submit your Mpesa statement and apply to receive money on your phone within minutes.

4. KCB Mobile Loans

Kenyans looking for steadfast instant mobile loans often settle for KCB M-Pesa because of low-interest rates.

Mpesa subscribers also crave the freedom of taking out multiple loans without necessarily opening an account with KCB bank.

Phone number0711087000

Contact the help desk for further inquiries;

5. Timiza loan app

Timiza App powered by Absa Bank Kenya enables you to access cash at your fingertips at the touch of a button.

On top of that, registered members can open a savings plan and grow their money.

You do not have to be a member, just dial the code given below and follow the prompts to access a loan.

USSD code*848#
Phone number0722130120

 Repeat borrowing customers stand a chance to receive among other benefits, low pricing on loans.

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6. Zidisha loan app

Founded in 2009 by Julia Kurnia, Zidisha loan App is a next-gen financial solution for all.

It is the first of its kind peer-to-peer microlending service which managed to link borrowers and lenders without intermediaries.

Competitor lenders have since followed up by sidelining local microfinance institutions.

Zidisha enjoys a ready money market in several countries among them  Indonesia, Kenya, Nigeria, and Zambia.

7. Okash loan app

With at least 5 million downloads on Google Play, the Okash loan app is a game changer in mobile lending.

How can I borrow money from OKash? Install the OKash APP from the Play Store, register and select a suitable loan product. Now apply for verification and approval.

Phone number0207659988

Referral code bonuses and facial recognition are some of the features that set the Okash app apart.

8. Eazzy loan apk

Equity Bank Kenya-owned Eazzy loan app offers loans of between Ksh. 1,000 and Ksh. 3,000,000.

Minimum qualifications include an active equity bank account opened at least 6 months ago.

Phone number0763000000

You can access the loan via Equitel Line, Equity Mobile App, or the USSD code *247#.

9. Zenka loan app

The award-winning Zenka app does not charge interest on first-time borrowers.

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Head offices are located in Nairobi County within Mirage Tower 2, 12th floor.

Phone number0207650878
P.O. BOX29107
Postal address00100

Zenka Digital Limited make it possible to access money in your account within a few minutes of registration.

10. MCo-op Cash loan app

The mobile banking platform is a product of the Co-operative Bank Of Kenya.

Apart from the app, you can access the loan by dialling *667#. Provide your Mco-op Cash PIN then choose the loan amount before submitting it for processing.

USSD Code*667#
Phone number0703027000

Making time for the bank can be tough, which is why you need an MCo-op Cash loan.

11. Hustler Fund loan

How do I get a hustle fund? The recently launched Hustler Fund is entirely accessible through the USSD code *254#.

Request money is deposited directly to Mpesa within a moment of registration.

USSD Code*254#

Hustler Fund seeks to empower small business users courtesy of the bottom-up economic approach by the Kenya Kwanza government.

Full list of best loan apps in Kenya

Looking for loan apps in Kenya without CRB check? Here are more options with flexible limits.

  • Ipesa loan
  • Utunzi loan app
  • Zash loan
  • Apesa online loan
  • Kashplus loan app
  • Shika loan app
  • HF Whiz
  • Stawika loan app
  • Okolea loan apk
  • PesaZone loans
  • Jazika apk
  • Opesa loan app
  • Bayes loan apk

Accessing loans in Kenya without registration fees is possible with most apps.

A crowd of reviews qualify Tala, Branch, and Hustler Fund into the list of best loan apps in Kenya. Above all, timely repayment is the only secret to keeping the borrowing limit at its highest.

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