Quick Decision Helper
Need cash NOW?
→ Fuliza, M-Shwari
Want lowest rates?
→ SACCO, Hustler Fund
Need large amount?
→ Bank, KCB M-Pesa
Self-employed?
→ Microfinance, Branch
Starting business?
→ Youth/Women Fund
Bad credit?
→ Mobile loans, Chamas
Mobile Money Loans
Fuliza
Amount:Up to KES 70K
Time:Instant
Best for: Emergency cash
M-Shwari
Amount:Up to KES 100K
Time:Instant
Best for: Short-term needs
KCB M-Pesa
Amount:Up to KES 1M
Time:Instant
Best for: Larger amounts
Mobile App Lenders
Branch
Amount:Up to KES 500K
Time:5-10 mins
Best for: Building credit
Tala
Amount:Up to KES 50K
Time:5-10 mins
Best for: First-time borrowers
Zenka
Amount:Up to KES 30K
Time:5-15 mins
Best for: Quick cash
Banks
Equity Bank
Amount:Up to KES 5M
Time:1-3 days
Best for: Employees, business
KCB
Amount:Up to KES 5M
Time:1-3 days
Best for: Salaried workers
Co-op Bank
Amount:Up to KES 3M
Time:1-3 days
Best for: SACCO members
SACCOs
Mwalimu SACCO
Amount:Up to 4x salary
Time:1-7 days
Best for: Teachers
Stima SACCO
Amount:Up to 4x salary
Time:1-7 days
Best for: Energy sector
Harambee SACCO
Amount:Up to 4x salary
Time:1-7 days
Best for: Civil servants
Government Programs
Hustler Fund
Amount:Up to KES 50K
Time:Instant
Best for: All Kenyans
Youth Fund
Amount:Up to KES 100K
Time:2-4 weeks
Best for: Youth 18-35
Women Fund
Amount:Up to KES 100K
Time:2-4 weeks
Best for: Women groups
Microfinance
KWFT
Amount:Up to KES 2M
Time:1-5 days
Best for: Women entrepreneurs
Faulu
Amount:Up to KES 2M
Time:1-5 days
Best for: Small business
SMEP
Amount:Up to KES 1M
Time:1-5 days
Best for: Microenterprises
Quick Comparison by Need
| Your Need | Best Option | Why |
|---|---|---|
| Emergency (today) | Fuliza / M-Shwari | Instant disbursement |
| Large amount (500K+) | Bank / KCB M-Pesa | Higher limits available |
| Lowest interest | SACCO / Hustler Fund | 8-12% p.a. rates |
| No documents | Mobile loans | Only M-Pesa needed |
| Business startup | Youth/Women Fund | Low rates, government-backed |
Frequently Asked Questions
What is the best place to get a loan in Kenya?
It depends on your needs. For instant small loans: Fuliza or M-Shwari. For larger amounts with low rates: SACCO or bank check-off. For business: microfinance. For government-backed: Hustler Fund or Youth/Women Fund.
Which bank gives loans easily in Kenya?
Equity Bank, KCB, and Co-operative Bank are known for easier approval processes. Their mobile loan products (Equity Eazzy, KCB M-Pesa) offer quick digital loans with minimal requirements.
Can I get a loan without a bank account in Kenya?
Yes! Mobile loans (Fuliza, M-Shwari, Branch, Tala) only need M-Pesa. Microfinance and chamas may also lend without bank accounts. The Hustler Fund also disburses via M-Pesa.
Compare All Loan Options
Find the best loan for your specific situation.