Get Cash Within 60 Minutes
Need money urgently? Compare loan apps that approve and disburse within 1 hour. Fast application, minimal requirements, money sent directly to M-Pesa.
Get any loan app from Play Store
2 minSign up with ID and M-Pesa
3 minRequest your loan amount
2 minReceive cash to M-Pesa
5-50 minYes, several mobile loan apps in Kenya can approve and disburse loans within 1 hour or less. Apps like Branch, Tala, and Zenka typically process applications in 5-15 minutes. M-Shwari and Fuliza are even faster with instant disbursement.
The fastest loan apps include: Fuliza (instant), M-Shwari (instant), KCB M-Pesa (instant), Branch (5-10 min), Tala (5-15 min), Zenka (10-15 min), and Okash (5-15 min). All can disburse within 1 hour of application.
Requirements for 1 hour loans are minimal: Kenyan national ID, active M-Pesa account with transaction history, smartphone with the loan app installed, and being 18+ years old. No payslips, bank statements, or collateral required.
1 hour loan amounts range from KES 500 to KES 500,000 depending on the lender. Mobile money loans offer up to KES 70,000, app-based loans up to KES 500,000. First-time borrowers typically start with lower limits.
1 hour loans tend to have higher interest rates due to convenience. Rates range from 5% to 30% monthly depending on the lender. Always compare total costs before borrowing and only borrow what you can repay.