👤 Loans Without Guarantor in Kenya
Get loans without asking family or friends to guarantee. Compare products that use alternative security like salary check-off, collateral, or credit scoring.
No Guarantor Loan Options
Chapeo Cash Loan
Chapeo
0.03% - 0.06% p.a.
KES 1,000 - 100,000
UbaPesa Instant Loan
UbaPesa
9% - 15% p.a.
KES 500 - 50,000
Equity Eazzy Loan
Equity Bank Kenya
10% - 16% p.a.
KES 1,000 - 100,000
Senti Instant Loan
Senti App
10% - 20% p.a.
KES 1,000 - 50,000
Okolea Instant Loan
Okolea International
11.15% - 15% p.a.
KES 500 - 500,000
Haraka Instant Loan
Haraka Finance
12% - 20% p.a.
KES 1,000 - 50,000
TruePesa Instant Loan
TruePesa
12% - 25% p.a.
KES 2,000 - 80,000
ABSA Unsecured Check-Off Loan
ABSA Bank Kenya
13% - 16% p.a.
KES 50,000 - 5,000,000
iPesa Instant Loan
iPesa Kenya
15% - 25% p.a.
KES 500 - 50,000
Tips for Getting No Guarantor Loans
- 💡Salary check-off loans don't need guarantors - employer deducts
- 💡All mobile loans (Fuliza, M-Shwari, apps) are guarantor-free
- 💡Offer collateral instead of guarantors for large loans
- 💡Some banks waive guarantor for long-standing customers
- 💡SACCOs may require guarantors but members know each other
Frequently Asked Questions
Which loans don't need a guarantor in Kenya?
Guarantor-free options include: Salary check-off loans (KCB, Equity, Co-op), all mobile loans (Fuliza, M-Shwari, Branch, Tala), secured loans with collateral, and some bank loans under KES 500,000 for existing customers with good history.
What can I use instead of a guarantor?
Alternatives to guarantors: Salary check-off arrangement with employer, collateral (logbook, land title, fixed deposit), higher interest rate for unsecured loan, or building relationship with bank through savings and smaller loans first.
Why do banks require guarantors?
Banks require guarantors to reduce default risk. The guarantor legally agrees to repay if you can't. For unsecured loans without collateral, guarantors provide the bank with recourse. Good credit history and stable income can sometimes waive this requirement.
Can my employer be my guarantor?
Not directly, but check-off loan arrangements effectively do this. Your employer agrees to deduct loan payments from your salary and remit to the bank. This arrangement provides security without a personal guarantor.
Browse by Eligibility
Find Your Perfect Loan
Compare all 223 no guarantor loan options and apply online.