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Microfinance Loans in Kenya

Compare 17 loan products from CBK-licensed microfinance banks (MFBs) in Kenya — Faulu Microfinance Bank, Kenya Women Finance Trust, Caritas Microfinance Bank and 12 more. Loan sizes KES 1K-5M, APR 14-26%. As of 2026-05-13.

Reviewed byPesaMarket Research Team
|Last verified: Apr 16, 2026

There are 17 microfinance loans available in Kenya with interest rates from 14% to 26% per annum. Amounts range from KES 1,000 to KES 5,000,000. PesaMarket updates this data regularly.

Showing 17 of 17 products

⭐ Low-income families

Caritas Microfinance Loan

Caritas Microfinance Bank

Lender site unavailable
Interest Rate
15% - 20%
per annum
Max Amount
KES 2000K
Approval Time
24-48 hours
Processing Fee
2%
  • Catholic Church-founded institution
  • Very low minimum income
Apply Now
View Details & 0 Reviews →

Fortune Credit Personal Loan

Fortune Credit

Interest Rate
N/A
per annum
Max Amount
N/A
Approval Time
Processing Fee
None
  • Financial inclusion focus
  • Green finance options
Apply Now
View Details & 0 Reviews →
⭐ Women's groups

KWFT Group Loan

Kenya Women Finance Trust

Status unverified
Interest Rate
16% - 20%
per annum
Max Amount
KES 500K
Approval Time
1-2 weeks
Processing Fee
3%
  • Group lending model
  • Lower rates for groups
Apply Now
View Details & 0 Reviews →
⭐ Low-income earners

Letshego Personal Loan

Letshego Kenya

Interest Rate
15% - 20%
per annum
Max Amount
KES 1000K
Approval Time
24 hours
Processing Fee
2.5%
  • Quick mobile application
  • Lower income requirements
Apply Now
View Details & 0 Reviews →
⭐ Small traders

Faulu Biashara Loan

Faulu Microfinance Bank

Status unverified
Interest Rate
16% - 22%
per annum
Max Amount
KES 5000K
Approval Time
3-5 days
Processing Fee
3%
  • Business growth financing
  • Working capital loans
Apply Now
View Details & 0 Reviews →
⭐ Self-employed individuals

Faulu Personal Loan

Faulu Microfinance Bank

Status unverified
Interest Rate
18% - 24%
per annum
Max Amount
KES 3000K
Approval Time
24-48 hours
Processing Fee
3%
  • Individual loans without group
  • Flexible income requirements
Apply Now
View Details & 0 Reviews →
⭐ Women entrepreneurs

KWFT Personal Loan

Kenya Women Finance Trust

Interest Rate
18% - 24%
per annum
Max Amount
KES 3000K
Approval Time
12 hours
Processing Fee
2%
  • Largest women-focused MFI in Kenya
  • Over 600,000 active clients
Apply Now
View Details & 0 Reviews →
⭐ Agricultural entrepreneurs

Rafiki Microfinance Loan

Rafiki Microfinance Bank

Interest Rate
18% - 24%
per annum
Max Amount
KES 1500K
Approval Time
24-72 hours
Processing Fee
3%
  • Licensed microfinance bank
  • Personal and business loans
Apply Now
View Details & 0 Reviews →
⭐ Central Kenya residents

Sumac Microfinance Loan

Sumac Microfinance Bank

Status unverified
Interest Rate
16% - 22%
per annum
Max Amount
KES 2000K
Approval Time
24-48 hours
Processing Fee
2.5%
  • Licensed microfinance bank
  • Individual and group loans
Apply Now
View Details & 0 Reviews →
⭐ SME owners needing larger loans

LOLC Kenya Microfinance Loan

LOLC Kenya Microfinance Bank

Lender site unavailable
Interest Rate
15% - 20%
per annum
Max Amount
KES 5000K
Approval Time
48-72 hours
Processing Fee
3%
  • Part of LOLC Holdings (Sri Lanka-based multinational)
  • SME and personal loan products
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Umba Instant Loan

Umba Microfinance Bank

Status unverified
Interest Rate
14% - 26%
per annum
Max Amount
KES 100K
Approval Time
Instant
Processing Fee
Included in interest
  • 100% digital - apply via app
  • Instant loan approval and disbursement
Apply Now
View Details & 0 Reviews →
⭐ Church and faith-based group members

SMEP Microfinance Loan

SMEP Microfinance Bank

Interest Rate
16% - 22%
per annum
Max Amount
KES 2000K
Approval Time
24-72 hours
Processing Fee
2.5%
  • Group and individual lending models
  • Faith-based microfinance institution
Apply Now
View Details & 0 Reviews →
⭐ Muslims seeking Sharia-compliant loans

Salaam Murabaha Loan

Salaam Microfinance Bank

Lender site unavailable
Interest Rate
18% - 24%
per annum
Max Amount
KES 1000K
Approval Time
24-48 hours
Processing Fee
2%
  • Sharia-compliant Murabaha financing
  • No interest charged (profit-sharing model)
Apply Now
View Details & 0 Reviews →
⭐ Individual borrowers avoiding groups

Choice MFB Personal Loan

Choice Microfinance Bank

Lender site unavailable
Interest Rate
18% - 24%
per annum
Max Amount
KES 500K
Approval Time
24-48 hours
Processing Fee
3%
  • Personal and business loan products
  • Loans from KES 5,000 to KES 500,000
Apply Now
View Details & 0 Reviews →
⭐ SME owners in Central Kenya

U & I Personal & SME Loan

U & I Microfinance Bank

Lender site unavailable
Interest Rate
18% - 24%
per annum
Max Amount
KES 1000K
Approval Time
24-72 hours
Processing Fee
3%
  • Personal and SME lending
  • Loans from KES 5,000 to KES 1 million
Apply Now
View Details & 0 Reviews →
⭐ Chama and savings group members

Muungano Group Loan

Muungano Microfinance Bank

Lender site unavailable
Interest Rate
16% - 22%
per annum
Max Amount
KES 200K
Approval Time
24-48 hours
Processing Fee
2%
  • Group lending specialist
  • Loans from KES 2,000 to KES 200,000
Apply Now
View Details & 0 Reviews →
⭐ Quick personal cash needs

On It Personal Loan

On It Microfinance Bank

Lender site unavailable
Interest Rate
18% - 26%
per annum
Max Amount
KES 300K
Approval Time
24-48 hours
Processing Fee
3%
  • Personal lending focus
  • Loans from KES 5,000 to KES 300,000
Apply Now
View Details & 0 Reviews →

Expert Advice

“Group lending through microfinance institutions can reduce your effective rate by 15-25% compared to individual borrowing. The group guarantee replaces collateral requirements.”

P
PesaMarket Research Team

Financial Analysis

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