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Money Now Kenya

Get Cash When You Need It Most

Compare 40+ ways to get money now in Kenya. Instant approval, same-day disbursement, no collateral required. Get the cash you need sent directly to your M-Pesa.

40+
Instant Lenders
5 min
Average Approval
KES 500K
Max Loan Amount
0%
Collateral Required

Instant Disbursement

Money sent to M-Pesa in minutes

Apply Anywhere

100% online, no paperwork

Licensed Lenders

CBK-regulated providers only

No Collateral

Unsecured loans available

Top Money Now Lenders in Kenya

Compare the fastest ways to get cash instantly

Fuliza

4.6
No app needed
Interest Rate:1.083%/day
Max Amount:Up to KES 70K
Disbursement:Instant

M-Shwari

4.5
M-Pesa integrated
Interest Rate:7.5%/month
Max Amount:Up to KES 50K
Disbursement:Instant

Branch

4.4
High limits
Interest Rate:1-21%/month
Max Amount:Up to KES 500K
Disbursement:5 min

Tala

4.3
No M-Pesa history needed
Interest Rate:6-15%/month
Max Amount:Up to KES 50K
Disbursement:5 min

KCB M-Pesa

4.5
Bank-backed
Interest Rate:8.64%/month
Max Amount:Up to KES 1M
Disbursement:Instant

Zenka

4.1
First loan free
Interest Rate:5-30%/month
Max Amount:Up to KES 30K
Disbursement:10 min

How to Get Money Now

1

Choose Amount

Select how much money you need now

2

Compare Lenders

See rates, fees, and approval times

3

Apply Online

Quick application, no paperwork

4

Get Money

Receive cash to your M-Pesa instantly

Before You Borrow

  • Only borrow what you can repay to avoid debt traps
  • Compare interest rates - they vary from 1% to 30% monthly
  • Check for hidden fees like processing and late payment charges
  • Use only CBK-licensed lenders for your protection
  • Avoid multiple loans at once to maintain good credit

Frequently Asked Questions About Getting Money Now

How can I get money now in Kenya?

You can get money now in Kenya through mobile loan apps like Fuliza, M-Shwari, Branch, Tala, and Zenka. Simply download the app, register with your ID and M-Pesa, apply for a loan, and receive money in minutes. Most apps approve loans instantly and send funds directly to your M-Pesa.

Which loan app gives money immediately in Kenya?

Fuliza gives money immediately as an overdraft on M-Pesa. M-Shwari, KCB M-Pesa, and Branch also provide instant disbursement. These apps can send money to your M-Pesa within 5 minutes of approval.

Can I get money now without collateral in Kenya?

Yes, most mobile loan apps in Kenya offer unsecured loans without collateral. Apps like Branch, Tala, Zenka, Fuliza, and M-Shwari only require your national ID and M-Pesa registration. Your creditworthiness is assessed based on your mobile money history.

How much money can I get now in Kenya?

Loan amounts vary by lender: Fuliza offers up to KES 70,000, M-Shwari up to KES 50,000, Branch up to KES 500,000, and Tala up to KES 50,000. Your limit depends on your credit history and repayment behavior.

What do I need to get money now in Kenya?

To get money now in Kenya you need: a Kenyan national ID, an active M-Pesa account with transaction history, a smartphone with internet, and to be 18+ years old. Most apps don't require employment proof or bank statements.

Can I get money now with bad credit in Kenya?

Yes, some lenders like Fuliza and Hustler Fund provide loans even with negative CRB status. However, your limit may be lower. Building a positive repayment history can help you access larger amounts over time.

How fast can I get money sent to M-Pesa?

The fastest options are Fuliza (instant), M-Shwari (instant), and KCB M-Pesa (instant). App-based lenders like Branch and Tala typically disburse within 5-10 minutes after approval.

Is it safe to get money now from loan apps in Kenya?

Yes, when using licensed lenders regulated by the Central Bank of Kenya (CBK). Always verify the lender is on CBK's list of licensed digital lenders. Avoid apps that request access to your contacts for debt collection.

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