Unidirect

Compare all 2 products from Unidirect 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
Unidirect Digital Loan	N/A	Ksh 2,000 - Ksh 150,000	Within 10 minutes for approved applications	Apply
Unidirect Digital Loan	N/A	Ksh 2,000 - Ksh 150,000	Within 10 minutes for approved applications	Apply

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Unidirect Pros & Cons

+Pros

✓Accessible even with a basic smartphone
✓Quick turnaround — funds on M-Pesa within minutes
✓24/7 application window via mobile or USSD

-Cons

✗Loan limits start low and grow only with repayment
✗Short operational track record — licensed recently

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

Unidirect is a CBK-licensed Digital Credit Provider, licensed in 2025 under Kenya's 2022 DCP Regulations. Loans run from KES 2,000 to KES 150,000 with repayment terms of 14-30 days. Disbursement is via M-Pesa 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 Unidirect?

Unidirect offers loan amounts from Ksh 2,000 up to Ksh 150,000 depending on the product and your eligibility.

How fast does Unidirect disburse loans?

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

Does Unidirect require CRB clearance?

Unidirect 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.