Loans Without CRB Check in Kenya (2026)
The truth about "no CRB check" loans and safe options for those with bad records.
Important Truth
ALL CBK-licensed lenders check CRB. This is required by law. Apps or websites claiming "no CRB check" are risky and often unlicensed.
What You Should Know
- ✓Some lenders have MORE LENIENT CRB requirements
- ✓Mobile loans use alternative data (M-Pesa history)
- ✓You can rebuild credit through good repayment
- ✓Comparing on PesaMarket does NOT affect your CRB
Avoid
- ✗Apps claiming "absolutely no CRB check"
- ✗Lenders not on CBK registry
- ✗"100% guaranteed approval" promises
- ✗Hidden fees or unclear rates
Lenders with Lenient CRB Requirements
These lenders are all CBK-registered but use alternative data alongside CRB.
| Lender | Data Used | Amount Range | Best For |
|---|---|---|---|
M-Shwari Safaricom + NCBA | M-Pesa history, SIM tenure | KES 100 - KES 150,000 | M-Pesa users with good history |
Fuliza Safaricom + NCBA | M-Pesa transactions, payment patterns | KES 100 - KES 70,000 | Short-term emergency loans |
KCB M-Pesa KCB Bank | M-Pesa history + CRB | KES 50 - KES 1,000,000 | Larger loans, lower rates |
Branch Branch International | Phone data, SMS, social networks | KES 250 - KES 500,000 | First-time borrowers, lenient CRB |
Tala Tala Kenya | Phone data, usage patterns | KES 500 - KES 50,000 | Quick loans, minutes approval |
How to Get Approved with Bad CRB
Start with Mobile Loans
M-Shwari and Fuliza have lenient requirements. Apply for small amounts first.
Build Positive History
Pay on time. Every good payment improves your profile.
Check Your CRB Status
Get your CRB report free once per year. Dispute any errors.
CRB removal guide →Consider Salary Advance
If formally employed, salary advance loans have lenient CRB requirements.
Frequently Asked Questions
Are there real loans without CRB check in Kenya?
All CBK-licensed lenders check CRB. However, some use alternative data (M-Pesa history, phone data) and have more lenient CRB requirements.
Can I get a loan with bad CRB record?
Yes. Mobile loans like M-Shwari and Fuliza rely more on your M-Pesa history than CRB score. Start with smaller loans to build positive history.
Which loan apps have lenient CRB requirements?
M-Shwari, Fuliza, KCB M-Pesa, Branch, and Tala use alternative data. They rely on transaction history more than CRB score alone.
Compare Without Affecting Your CRB
Use PesaMarket to see rates from 58 lenders. No impact on your CRB record.
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