Healthcare emergencies don't wait. Get quick access to funds for hospital bills, surgeries, medical procedures, and ongoing treatment. We compare loans with fast approval for urgent medical needs.
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
Mogo Kenya
2.5% - 4% p.a.
KES 50,000 - 5,000,000
For urgent medical needs: 1) Fuliza/M-Shwari for instant small amounts, 2) Branch/Tala loans approved in minutes up to KES 70,000, 3) Bank salary advance if employed, 4) Hospital payment plans. For larger amounts, personal loans from KCB, Equity, or Co-op take 24-48 hours.
Yes, mobile loans like Fuliza, M-Shwari, and app-based lenders (Branch, Tala) can be accessed from anywhere using your phone. These provide instant approval for amounts up to KES 100,000. Have a family member apply on your behalf if needed.
Many Kenyan hospitals offer payment plans, especially for large bills. Private hospitals like Nairobi Hospital, Aga Khan, and MP Shah often have financing options. Public hospitals may allow phased payments. Always ask the billing department before taking a loan.
For planned surgeries, personal loans from major banks offer larger amounts (up to KES 5M) at lower rates (13-18% p.a.) with longer repayment. For urgent surgeries, combine NHIF coverage with digital loans or hospital payment plans.
Compare 43 loan options and find the best rates for your needs.
Co-operative Bank of Kenya
4% - 9% p.a.
KES 50 - 500,000
Letshego Kenya
5.25% - 24% p.a.
KES 250 - 500,000