Bluewave Cash

Compare all 2 products from Bluewave Cash in Kenya. Borrow up to Ksh 150,000.

Ksh 150,000

Max Amount

Instant for repeat borrowers, minutes for new ones

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Bluewave Cash Instant Loan	N/A	Ksh 1,000 - Ksh 150,000	Instant for repeat borrowers, minutes for new ones	Apply
Bluewave Cash Instant Loan	N/A	Ksh 1,000 - Ksh 150,000	Instant for repeat borrowers, minutes for new ones	Apply

View all Fast Loans→

Bluewave Cash Pros & Cons

+Pros

✓Supports partial repayments when cash flow is tight
✓Transparent fee disclosure before loan acceptance
✓CBK-regulated and licensed, answerable to the Central Bank
✓Strong data-privacy posture under Kenya DPA 2019

-Cons

✗Gmail-only contact channel — no branded website
✗Initial KYC process takes longer than app-only rivals
✗Late payment reported to all three CRBs (Metropol, TransUnion, CreditInfo)

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone with internet
●M-Pesa account

Expert Analysis

Bluewave Cash is a CBK-licensed Digital Credit Provider, licensed in 2026 under Kenya's 2022 DCP Regulations. Loans run from KES 1,000 to KES 150,000 with repayment terms of 14-120 days. Disbursement is via Bank transfer, M-Pesa or Airtel Money - instant for repeat borrowers, minutes for new ones. Rates are not published upfront: pricing tiers by CRB band, loan size, and repayment history, and the full total cost of credit is disclosed before acceptance per CBK's Digital Credit Provider rules. Fees: processing fee varies by loan size and tier; no early-repayment penalty.

Frequently Asked Questions

What loan amounts are available from Bluewave Cash?

Bluewave Cash offers loan amounts from Ksh 1,000 up to Ksh 150,000 depending on the product and your eligibility.

How fast does Bluewave Cash disburse loans?

The fastest disbursement time from Bluewave Cash is Instant for repeat borrowers, minutes for new ones. Actual processing time varies by product type and application completeness.

Does Bluewave Cash require CRB clearance?

Bluewave Cash does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.