Mint Credit

Compare all 2 products from Mint Credit in Kenya. Borrow up to Ksh 150,000.

Ksh 150,000

Max Amount

Within 10 minutes for approved applications

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Mint Credit Instant Loan	N/A	Ksh 1,000 - Ksh 150,000	Within 10 minutes for approved applications	Apply
Mint Credit Instant Loan	N/A	Ksh 1,000 - Ksh 150,000	Within 10 minutes for approved applications	Apply

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Mint Credit Pros & Cons

+Pros

✓Offers financial literacy resources for first-time borrowers
✓Strong data-privacy posture under Kenya DPA 2019
✓Supports partial repayments when cash flow is tight
✓Available across Kenya, not just Nairobi

-Cons

✗No grace period before the late-fee clock starts
✗Reduced loan limit if CRB score drops below 600
✗Interest rates can be steep for first-time borrowers

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

Mint Credit is a CBK-licensed Digital Credit Provider, licensed in 2024 under Kenya's 2022 DCP Regulations. Loans run from KES 1,000 to KES 150,000 with repayment terms of 7-30 days. Disbursement is via M-Pesa, Airtel Money or Bank transfer - within 10 minutes for approved applications. 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 Mint Credit?

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

How fast does Mint Credit disburse loans?

The fastest disbursement time from Mint Credit is Within 10 minutes for approved applications. Actual processing time varies by product type and application completeness.

Does Mint Credit require CRB clearance?

Mint Credit 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.