Life happens. When unexpected expenses arise, get fast access to emergency funds. Compare instant mobile loans, same-day bank loans, and other quick financing options.
See exactly how much you'll pay each month
Chapeo
0.03% - 0.06% p.a.
KES 1,000 - 100,000
Safaricom M-Pesa
0.5% - 1% p.a.
KES 1,000 - 150,000
Safaricom M-Pesa
0.5% - 1% p.a.
KES 1,000 - 250,000
Safaricom M-Pesa
1.5% p.a.
KES 100 - 100,000
Co-operative Bank of Kenya
4% - 9% p.a.
KES 50 - 500,000
The fastest loan options in Kenya are: 1) Fuliza - instant M-Pesa overdraft, 2) M-Shwari - approved in seconds via *334#, 3) Branch app - 5-minute approval, 4) Tala app - instant decision for existing users. These can disburse money within minutes to your M-Pesa.
Yes, mobile loans provide immediate disbursement. Fuliza allows instant overdraft during M-Pesa transactions. M-Shwari loans are disbursed within minutes. App-based lenders like Branch, Tala, and OKash approve loans in 5-15 minutes and send money instantly to M-Pesa.
Emergency loan limits vary: Fuliza up to KES 70,000 (based on M-Pesa usage), M-Shwari up to KES 50,000, Branch up to KES 70,000, Tala up to KES 50,000. Bank overdrafts can offer more for existing customers. Limits increase with good repayment history.
Emergency loan rates are higher due to convenience: Fuliza charges 0.5% daily, M-Shwari 7.5% monthly (~90% p.a.), Branch 1.25-17% monthly, Tala 3-11% monthly. Despite higher rates, they're suitable for short-term needs. Repay quickly to minimize costs.
Compare 26 loan options and find the best rates for your needs.
Zenka Finance
4.5% - 9% p.a.
KES 500 - 50,000
Safaricom M-Pesa (powered by NCBA)
7.5% p.a.
KES 100 - 1,000,000