Self-employed? Business owner? Find loans that accept alternative income proof including M-Pesa statements, bank statements, and business records.
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
4G Capital
0.75% - 0.9% p.a.
KES 5,000 - 3,000,000
Kenya Women Microfinance Bank
1.5% - 2% p.a.
KES 5,000 - 2,000,000
Yes, banks offer loans to self-employed with: 6-12 months bank statements, M-Pesa statements showing regular income, business registration, KRA PIN and returns, and for larger loans, audited financials. Equity, KCB, and Co-op have specific SME products for the self-employed.
Self-employed applicants typically need: National ID, KRA PIN, 6-12 months bank/M-Pesa statements, business registration certificate (if available), and sometimes business permit. For larger loans, add: asset proof, guarantors, and financial statements.
Loan amounts for self-employed: Digital loans up to KES 100,000 (instant), bank personal loans up to KES 3M (with strong M-Pesa history), SME loans up to KES 10M+ (with collateral). Amount depends on demonstrated income and business history.
Best banks for self-employed: Equity Bank (Eazzy loans based on M-Pesa), KCB (SME products), Co-op Bank (MCo-op Cash), and microfinance banks. Digital lenders (Branch, Tala) are easiest - they use phone data instead of documents.
Compare all 21 no payslip loan options and apply online.
Safaricom M-Pesa
1.5% p.a.
KES 100 - 100,000
Co-operative Bank of Kenya
4% - 9% p.a.
KES 50 - 500,000
Stawi
9% p.a.
KES 30,000 - 250,000
Tala Kenya
11% - 15% p.a.
KES 1,000 - 50,000
Branch International
12% - 21% p.a.
KES 250 - 100,000