70 Loan Apps in Kenya Without CRB Check in 2024

Simon Mwangi
  • Loan apps without CRB check are mobile loan apps that do not check your Credit Reference Bureau (CRB) status in Kenya. These apps lend a helping hand when traditional financial institutions turn their backs on you due to a poor CRB status

So, I have compiled a comprehensive list of loan apps available in Kenya that don’t require CRB checks.

Kenya has seen a considerable increase in the number of mobile phone users. As a result, many people use their phones to access financial services, which are often cheaper and more convenient than going into an office or bank.

All lenders must know their customers and part of the process is checking whether a customer is a promising loanee.

That is where the CRB comes in. CRB stands for Credit Reference Bureau, an entity mandated to collect information about your credit history and provides this to lenders.

In 2020, The Central Bank of Kenya barred many mobile loan apps from accessing CRB services.

So in this article, I will list loan apps in Kenya without registration fees and CRB checks.

Loan apps without CRB Check

The following are the best loan apps in Kenya without CRB check:

1. Tala

Tala has been a popular loan app in Kenya for a few years.

Since they don’t need CRB to approve a loan, it is easy to get approved and takes less time. Although, they will try to check your phone data, like M-Pesa messages, to determine whether you are a loyal customer.

2. Okash

Okash is a Kenyan-based company that provides loans to people without CRB checks. They have been operating for some time now and offer customers the chance to borrow up to KES 70,000.

They can quickly assess your creditworthiness using data like Mpesa transactions or phone calls on your mobile phone.

3. Branch loan

The popular mobile loan app has also been blocked from accessing CRB. Branch is a Kenyan-based online lender that provides loans to people without CRB checks.

Their rates are higher than Okash’s, but they take less time to process your application since they don’t need you to run for it at their branches.

Loan amounts range from KES 250 to KES 70,000, with repayment periods between one month and 365 days.

The Branch loan is accessed through an app where customers can apply any time of day or night as long as they are connected to their mobile phone—even when there is no network connection.

4. Opesa

The Opesa loan app is another option that requires no CRB checks. Opesa offers loans with an interest rate of 36% per annum.

Their repayment terms range from one month to three months, depending on your needs—you can repay any time before it is due until you reach a total repayment term of six months. The application process takes about five minutes on their app, using your phone number and email address as identification.

5. Fadhili Loan app

Fadhili app is a mobile loan app that offers loans to Kenyans. The application process only requires the user to enter their phone number, email address, name, occupation, monthly salary, and desired loan amount, with repayment terms ranging from one month to three months.

Other mobile loan apps barred from accessing CRB services

This is the complete list of mobile loans in Kenya without CRB clearance:

  • Usawa Loan app
  • Kano Loan App
  • Upazi loan app
  • Dolax loan app
  • Craft loan app
  • Utajiri loan app
  • Zenka
  • Okolea
  • LionCash
  • i-Save Mobile
  • Lendi mkopo
  • Okoa Cash Loans
  • Fuliza Branch
  • Investor
  • MB-Kash
  • iPesa
  • Kopa Jirani
  • FlashPesa
  • Zash Loan
  • Kashway
  • Kava Personal Loans
  • Kua
  • Palm Loans Kenya
  • Afrika loans
  • Mshiko Chap
  • Kenya Quick Loan Shop
  • Senti
  • Hikash
  • MKash Bee
  • PesaFlash
  • Peso Loans
  • Carbon
  • Hela Pesa
  • Eazzy Loans
  • Fululiza Senti
  • Stawika
  • Loanika
  • Saida
  • Kuwazo
  • Fair Money
  • Lendy LOANS
  • Umba (Formerly Mkopo Kaka)
  • UbaPesa
  • Okoa 0% Interest Loans
  • Kash Pesa Loans
  • Fair Branch: Instantly and Accuracy
  • Top Loan Lenders
  • HiCash Quick and Easy Loans to MPESA
  • Loans Chap Chap
  • Izwa Loans
  • Fintech Loans
  • Imarika Credit
  • PesaPata
  • Okolea Quick Loans
  • Okoa Pesa pap
  • Kenya Quick Loans Market
  • Instant Cash- Reliable Money
  • Pezesha
  • M-Kopa
  • tumaPesa
  • Duta
  • Saida
  • Aspira
  • Phedha Loans
  • Tunzi


Many Kenyans require financial assistance but fear taking a loan because of getting a negative CRB listing.

The good news is that many loan apps in Kenya are without CRB checks. This means you can get a loan even if you have bad credit.

So, if you need financial assistance, you can apply for a loan from any mobile loan app listed above.

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As a freelance writer with a background in banking and accounting, Simon has the financial know-how to produce quality content on various topics. His experience gives him a strong foundation in understanding complex financial concepts and communicating them in an easy-to-understand way.