Compare Loans Without Affecting Your Credit Score
Check rates from 58 CBK-licensed lenders. Zero impact on your CRB report.
Start ComparingHow PesaMarket Protects Your Credit
When You Use PesaMarket
- We show you rates WITHOUT contacting lenders
- No credit inquiry is made
- Your CRB report stays clean
- Compare as many times as you want
Impact on CRB: ZERO
When You Apply Directly
- Lender performs "hard inquiry"
- Each inquiry can lower your score by 5-10 points
- Multiple applications = multiple hits
- Stays on your report for 2 years
Impact on CRB: -5 to -10 points
Soft Check vs Hard Check
| Feature | Soft Check (PesaMarket) | Hard Check (Direct Application) |
|---|---|---|
| Impact on credit score | None | -5 to -10 points |
| Visible to lenders | No | Yes |
| Stays on report | No | 2 years |
| When it happens | PesaMarket comparison | Direct lender application |
Why This Matters for Kenyans
of adults have formal financial access
digital loans issued
CBK-licensed lenders compared
CRB records affect: loans, employment, rentals, phone contracts. One comparison site = unlimited checks without risk.
Frequently Asked Questions
Does using PesaMarket affect my CRB?
No. PesaMarket does not contact lenders or CRB when you compare rates. We show you publicly available data from official bank websites.
How can PesaMarket show me rates without checking my credit?
We collect and display published rates from CBK-licensed lenders. These rates are publicly available - no credit check is needed to view them.
What is a soft credit check vs hard credit check?
A soft check does not affect your credit score - this is what PesaMarket does. A hard check lowers your score by 5-10 points - this happens when you submit an application directly to a lender.
Will lenders see that I used PesaMarket?
No. We do not share your data with lenders unless you choose to submit an application through our platform.
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