Top 53 Numbers to Dial to get a Loan in Kenya: A Comprehensive Guide to Finding the Best Lending Options

Looking for a loan in Kenya? The process can be overwhelming with so many options available. To make things easier for you, we have compiled a list of the top 53 numbers to dial for a loan in Kenya. This comprehensive guide will help you find the best lending options and make an informed decision.

Jun 6, 2023 - 18:15
Jun 6, 2023 - 18:17
Top 53 Numbers to Dial to get a Loan in Kenya: A Comprehensive Guide to Finding the Best Lending Options
Top 53 Numbers to Dial to get a Loan in Kenya: A Comprehensive Guide to Finding the Best Lending Options

Financial decision-making can be quite a challenge, particularly when you're considering taking out a loan. Whether you need funds for personal use, a mortgage, or to support your business, finding the right lender is critical. In Kenya, an array of lending options are available, and this can make it tough to know where to begin.

To make your journey smoother, we've compiled a detailed guide on the top 50 numbers to dial for a loan in Kenya. These lenders range from traditional banks to innovative microfinance institutions, catering to various loan types. Whether you seek a modest personal loan or a substantial business loan, you'll find a lender that matches your needs here.

In this article, we will:

  • Briefly outline the types of loans available in Kenya
  • Present a comprehensive list of the top 50 numbers to dial for a loan in Kenya
  • Share tips on choosing the right lender

Understanding the Types of Loans Available in Kenya

Before we delve into our list, it's essential to grasp the various types of loans available in Kenya:

  •  Personal Loans: Unsecured loans are used for debt consolidation, home improvements, or emergency expenses.
  •  Mortgage Loans: Loans specifically tailored to finance home purchases.
  • Business Loans: These help funds business operations, such as expansion, equipment purchases, or working capital.
  • Car Loans: These loans help finance a vehicle purchase.
  •  Student Loans: Loans are designed to fund higher education, covering tuition and living expenses.

With this understanding, let's explore Kenya's top 53 loan providers.

The Top 53 Numbers to Dial for a Loan in Kenya

We've categorized the information for easy understanding. Let's dive in!

Number Name of Loan Service USSD Code to Dial
1 Okolea Int. *842#
2 Sotiwa Ltd 24390#
3 SMEP Microfinance Bank *741#
4 Extend Money Services *676#
5 Timiza Loan *224#
6 Maisha Bank *281#
7 K-Rep Bank *527#
8 Safaricom/NCBA/KCB Bank *234#
9 NCBA Bank *654#
10 Okoa Thao *660#
11 Stima SACCO *489#
12 National Bank *625#
13 Mobile Opulence Ltd *610#
14 Pi Capital Ltd 87999#
15 Ndege Chai Sacco *882#
16 Family Bank of Kenya *325#
17 Gusii Mwalimu SACCO *879#
18 Sotiwa 24390#
19 Transaction Bank of Kenya *862#
20 Telkom *133#
21 Commercial Bank of Africa *654#
22 Post Bank *498#
23 Credit Bank of Kenya *669#
24 Standard Chartered Bank *722#
25 Diamond Trust Bank *385#
26 Safaricom/KCB *844#
27 Rafiki Microfinance Bank *366#
28 CFC Stanbic *208#
29 Faulu Microfinance Bank *339#
30 Kenya Women Finance Trust *378#
31 Zenka Finance *841#
32 First Community Bank *342#
33 Jamii Bora Bank *344#
34 MyCredit *322#
35 NIC Bank Limited *488#
36 Gulf Africa Bank *399#
37 Consolidated Bank *262#
38 Premier Credit *241#
39 Bank of Africa(BOA) *987#
40 Equity Bank of Kenya *247#
41 Musomi Microfinance Institution *279#
42 OkoaMia Ventures *628#
43 Pezesha Africa Ltd Text 'Pezesha' to 22235
44 I&M Bank Limited *458#
45 Kopa doh *458#
46 Equatorial Commercial Bank *286#
47 Century MFB *871#
48 Paddy Micro Investments *269#
49 Okoa Sasa *628#
50 Chase Bank of Kenya *275#
51 Ecobank *335#
52 HF Group (Housing Finance Company) *618#
53 Stanbic Bank *208#

Choosing the Right Lender for Your Needs

The right lender for you will depend on your specific needs, including the type of loan you're seeking, the amount you need to borrow, and the repayment terms you're comfortable with.

Consider your current financial situation and ability to repay the loan on time. Also, compare the interest rates, and other terms lenders offer to ensure you get the best deal.

Remember, taking out a loan is a significant commitment. Do your homework, and feel free to seek advice if you need clarification.

READ ALSO: Top 100 SACCOS in Kenya: A Comprehensive Guide to the Best Savings and Credit Cooperatives


In conclusion, a loan can be a helpful financial solution for various purposes. Still, it is essential to carefully consider your options and choose a lender that meets your needs. The top 50 numbers to dial for a loan in Kenya provide a range of options, including banks, microfinance institutions, and online lenders, and cover various loan types, including personal loans, mortgage loans, business loans, car loans, and student loans. By understanding the different types of loans available and using the list of top 50 numbers to dial for a loan in Kenya, you can find the right lender to help you meet your financial goals.


1. How can I choose the best lender for my needs?

Your choice will depend on your specific needs, such as the loan type you need, the amount, and repayment terms.

2. Can I get a loan if I have a bad credit score?

While having a bad credit score might limit your options, some lenders offer loans to individuals with poor credit. However, these loans often come with higher interest rates.

3. What is the difference between a secured and unsecured loan?

A secured loan requires collateral, such as a home or car, which the lender can seize if you default. Unsecured loans don't require collateral but might come with higher interest rates due to the increased risk to the lender.

4. What should I consider before taking out a loan?

You should consider the purpose of the loan, the amount you need, your ability to repay, the interest rate, and the loan term. Always read the terms and conditions thoroughly.

5. How long does it take to get approved for a loan?

The approval time can vary from one lender to another. Some lenders offer instant approval, while others may take a few days or weeks.

6. Can I have multiple loans at the same time?

Yes, having multiple loans simultaneously is possible, but it often needs to be advised. Juggling multiple loans can lead to financial strain and potential default on repayments.


This article is for informational purposes only and is not intended to serve as financial advice. Consult with a financial advisor or the respective financial institutions before deciding based on the information provided. The author is not liable for any financial decisions based on this article. The lender's terms and conditions, including interest rates and fees, may vary. Always do your due diligence before committing to any loan agreement.

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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.