70 Loan Apps in Kenya Without CRB Check in 2023

Need a loan but worried about your credit score? Read this guide to learn about the best loan apps in Kenya that don't require a CRB check

Sep 25, 2023 - 21:54
Sep 25, 2023 - 21:47
70 Loan Apps in Kenya Without CRB Check in 2023
70 Loan Apps in Kenya Without CRB Check in 2023

In an increasingly digital world, financial inclusion is no longer a luxury but a necessity. Thanks to technology, accessing credit has become simpler, faster, and more convenient through mobile loan apps. However, what if your Credit Reference Bureau (CRB) status could be better? That's where loan apps without CRB checks come into play. These apps lend a helping hand when traditional financial institutions turn their backs on you due to a poor CRB status.In 2020, the Central Bank of Kenya imposed restrictions on numerous mobile loan apps, barring them from accessing CRB services. Consequently, many loan apps in Kenya emerged that do not require CRB checks, making it easier for individuals to access loans swiftly and without the hassle of credit history evaluations.

This comprehensive article presents a curated list of 70 reputable loan apps in Kenya that do not require CRB checks in 2023. Whether you need quick funds for emergencies, personal expenses, or business ventures, these loan apps provide a lifeline for Kenyan borrowers.

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Based in Kenya, Branch provides loans to individuals without the hassle of CRB checks. Although their interest rates may be higher compared to some other options, their quick processing time compensates for it. Branch's user-friendly app allows you to apply at any time, even without a network connection.

Opesa Loan App

The Opesa Loan App is a financial lifesaver for those needing a loan. This lender offers unsecured loans, meaning they don't dig into your credit history at the CRB. The loan limit varies between Ksh 1,500 and Ksh 50,000, with a repayment period of 91-365 days. Just remember, there's a small service fee deducted from your loan.

Okash Loan App

Are you between 21-55 years with a steady income and a registered Safaricom line? Okash Loan App might be your perfect match. Managed by OneSpot Technology, Okash offers loans without collateral or credit checks. Loan limits range from Ksh 500 to Ksh 50,000, repayable within 91-365 days.

Mokash Loan App

Mokash is a wallet-friendly loan app without any CRB checks or registration fees. The annual interest rate is 36% for loans between Ksh 2,000 and Ksh 10,000. All loans are repayable between 91-365 days, providing ample time to get back on your feet.

Usawa Loan App

The Usawa Loan App promotes financial equality by offering unsecured loans, irrespective of your CRB status. With an ID and a smartphone, you can access loans between Ksh 500 and Ksh 1,000,000, repayable within 91 days to 36 months.

Jazika Loan App

A brainchild of Jazika Ventures, the Jazika loan app promises instant loans without a CRB check. Whether you need to grow your small business or tackle an emergency, Jazika has covered you. The loan amount ranges from Ksh 500 to Ksh 100,000, repayable in 61-180 days.

Fadhili Loan App

Fadhili, by Mkopo Kenya, is another example of a lender offering loans with zero paperwork and no CRB checks. The loan amount starts from Ksh 500 and goes up to Ksh 1,000,000, repayable within 91 days to 36 months.

Utajiri Loan App

The Utajiri Loan App offers loans between Ksh 300 and Ksh 300,000 without a credit check. Loans are repayable within 91 to 365 days, giving you a flexible repayment schedule.

Tunzi Capital

Tunzi Capital provides loans ranging from Ksh 1,000 to Ksh 250,000 without a credit check. The repayment period is generous, between 90 days and 48 months.


Tala is the number 1 loan app in kenya. What sets Tala apart is its user-friendly approach. While they may not rely on CRB checks, they analyze your mobile phone data, including M-Pesa messages, to assess your creditworthiness. This approach speeds up the approval process and allows borrowers to access loans quickly. With Tala, you can borrow amounts that meet your needs and repay within specified terms.

READ ALSO: Top 10 Online Jobs in Kenya That Pay Through MPESA


Loan App Description Loan Amount Range Repayment Period Credit Check Required?
Opesa Loan App Offers unsecured loans without a CRB check Ksh 1,500 - Ksh 50,000 91-365 days No
Okash Loan App Provides loans without collateral or credit checks for individuals between 21-55 years with a steady income and a registered Safaricom line Ksh 500 - Ksh 50,000 91-365 days No
Mokash Loan App A wallet-friendly app offering loans without CRB checks or registration fees Ksh 2,000 - Ksh 10,000 91-365 days No
Usawa Loan App Promotes financial equality by offering unsecured loans without a CRB check Ksh 500 - Ksh 1,000,000 91 days - 36 months No
Jazika Loan App Offers instant loans without a CRB check Ksh 500 - Ksh 100,000 61-180 days No
Fadhili Loan App Provides loans with zero paperwork and no CRB checks Ksh 500 - Ksh 1,000,000 91 days - 36 months No
Utajiri Loan App Offers loans without a credit check Ksh 300 - Ksh 300,000 91-365 days No
Tunzi Capital Provides loans without a credit check Ksh 1,000 - Ksh 250,000 90 days - 48 months No

Complete List of Loan Apps Without CRB Check in Kenya

In addition to the apps mentioned above, there are numerous other loan apps in Kenya that do not require CRB checks, offering borrowers a wide array of options to choose from. These include:

    1. Fadhili Loan app
    2. Okash loan
    3. Usawa app
    4. Kano App
    5. Upazi loan
    6. Dolax loan
    7. Craft loan app
    8. Utajiri loan app
    9. Zenka
    10. Okolea loan app
    11. LionCash
    12. i-Save Mobile
    13. Lendi mkopo
    14. Okoa Cash Loans
    15. Fuliza Branch
    16. Investor
    17. MB-Kash
    18. iPesa
    19. Kopa Jirani
    20. FlashPesa
    21. Zash Loan
    22. Kashway
    23. Kava Personal Loans
    24. Kua
    25. Palm Loans Kenya
    26. Afrika loans
    27. Mshiko Chap
    28. Kenya Quick Loan Shop
    29. Senti
    30. Hikash
    31. MKash Bee
    32. PesaFlash
    33. Peso Loans
    34. Carbon
    35. Hela Pesa
    36. Eazzy Loans
    37. Fululiza Senti
    38. Stawika
    39. Loanika
    40. Saida
    41. Kuwazo
    42. Fair Money
    43. Lendy LOANS
    44. Umba (Formerly Mkopo Kaka)
    45. UbaPesa
    46. Okoa 0% Interest Loans
    47. Kash Pesa Loans
    48. Fair Branch: Instantly and Accuracy
    49. Top Loan Lenders
    50. HiCash Quick and Easy Loans to MPESA
    51. Loans Chap Chap
    52. Izwa Loans
    53. Fintech Loans
    54. Imarika Credit
    55. PesaPata
    56. Okolea Quick Loans
    57. M-KOPAY
    58. Okoa Pesa pap
    59. Kenya Quick Loans Market
    60. Instant Cash- Reliable Money
    61. Pezesha
    62. tumaPesa
    63. Duta
    64. Saida
    65. Aspira
    66. Phedha Loans
    67. Tunzi

    Why Are These Loan Apps Popular in Kenya?

    The popularity of these loan apps in Kenya can be attributed to several factors:

    1. Convenience: Mobile loan apps offer unparalleled convenience. Borrowers can apply for loans and receive funds directly to their mobile wallets, eliminating the need for physical visits to banks or offices.

    2. Quick Processing: These apps are known for their swift approval and disbursement of loans. This is especially crucial during emergencies when borrowers need access to funds urgently.

    3. Accessibility: Mobile loans are accessible to a broader range of users, including those who may not have a favorable credit history. By not relying on CRB checks, they promote financial inclusion.

    4. Flexible Repayment: Many of these loan apps offer flexible repayment terms, allowing borrowers to choose repayment periods that suit their financial circumstances.

    5. No Collateral: Most mobile loan apps do not require collateral, making it easier for borrowers to access loans without risking valuable assets.

    6. User-Friendly Apps: The user-friendly interfaces of these apps make it simple for borrowers to navigate the borrowing process. This ease of use appeals to a wide audience.

    READ ALSO: The Titans of Wealth: Top 10 Richest Men in Kenya


    Accessing financial assistance without a CRB check is no longer a pipedream. With the right app, you can secure the necessary funds without worrying about your credit score. These loan apps have revolutionized financial inclusion, bridging the gap between individuals and financial aid. With them, you can easily navigate your economic challenges and achieve your goals more seamlessly.


    What are some of the loan apps in Kenya that don't require a CRB check?

    Opesa, Okash, Mokash, Usawa, Jazika, Fadhili, Utajiri, and Tunzi Capital are some loan apps in Kenya that do not necessitate a CRB check.

    How do these loan apps determine the loan limit?

    These apps use data from your phone, such as your Mpesa and Mshwari transactions, to determine the amount you qualify for.

    How long does it take to get a loan approved from these apps?

    Most loan apps approve and disburse loans within minutes. However, the exact duration may vary from one app to another.

    Do these loan apps require any collateral?

    No, these apps offer unsecured loans, meaning you do not need to provide any collateral.

    What's the interest rate for these loan apps?

    Interest rates vary across different loan apps. It's advisable to check the specific interest rate for each app before proceeding with a loan application.

    Are there any charges for these loans besides the interest?

    Some apps charge a service fee that is deducted from your loan amount. However, verifying any additional costs before applying for a loan is always prudent.


     This article is for informational purposes only and does not constitute financial advice. Always perform your due diligence before taking a loan from any financial institution or app, and consult a financial advisor if necessary. The author and the platform do not take responsibility for any financial decisions based on this article.

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    Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.