NJB

Compare all 2 products from NJB in Kenya. Borrow up to Ksh 100,000.

Ksh 100,000

Max Amount

Typically within 1-4 hours of approval

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
NJB Quick Loan	N/A	Ksh 2,000 - Ksh 100,000	Typically within 1-4 hours of approval	Apply
NJB Quick Loan	N/A	Ksh 2,000 - Ksh 100,000	Typically within 1-4 hours of approval	Apply

View all Fast Loans→

NJB Pros & Cons

+Pros

✓Customer WhatsApp channel for quick escalations
✓Transparent fee disclosure before loan acceptance
✓Fast in-app support via live chat
✓Reports positive repayment to CRBs to build credit

-Cons

✗Gmail-only contact channel — no branded website
✗Daily late-fee compounding can accumulate fast
✗Initial KYC process takes longer than app-only rivals

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

NJB is a CBK-licensed Digital Credit Provider, licensed in 2026 under Kenya's 2022 DCP Regulations. Loans run from KES 2,000 to KES 100,000 with repayment terms of 14-90 days. Disbursement is via M-Pesa, Bank transfer or Airtel Money - typically within 1-4 hours of approval. 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 NJB?

NJB offers loan amounts from Ksh 2,000 up to Ksh 100,000 depending on the product and your eligibility.

How fast does NJB disburse loans?

The fastest disbursement time from NJB is Typically within 1-4 hours of approval. Actual processing time varies by product type and application completeness.

Does NJB require CRB clearance?

NJB 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.