Cash Loan
Haraka Instant Loan
Haraka Finance
Last updated: December 16, 2025
Lender site unavailable
★★★★★
0/5Based on 0 Reviews
Interest Rate
12% - 20% p.a.
Loan Amount
Ksh 1,000 - Ksh 50,000
Approval Time
Under 5 minutes
Processing Fee
None
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Very fast approval (under 5 mins)
- No CRB check for first loan
- Simple app interface
- Transparent pricing
- Quick limit increases
Cons
- High interest rate (12-20%)
- Short repayment period
- Low initial limits
- Daily late payment penalties
Expert Analysis
Haraka Finance is a CBK-licensed Digital Credit Provider, operating under Kenya's 2022 DCP Regulations. Loans run from KES 1,000 to KES 50,000 with repayment terms of 14-30 days. Disbursement is via M-Pesa - under 5 minutes. Rates are not published upfront: pricing tiers by CRB band, loan size, and repayment history, and the full total cost of credit is disclosed before acceptance per CBK's Digital Credit Provider rules. Fees: no early-repayment penalty.
Customer Reviews
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Product Details
Features
- Loan approval in under 5 minutes
- No CRB check for first loan
- Instant M-Pesa disbursement
- Build credit with each repayment
- Limit increases automatically
- 24/7 app availability
- Transparent fees - no hidden charges
- SMS repayment reminders
Eligibility Requirements
Age: 18 - 65 years
0Employment: Any
Required Documents
- National ID
- Smartphone
- M-Pesa registered number
Repayment Options
M-Pesa Paybill
Ready to Apply?
Get started with Haraka Instant Loan today. Fast approval and competitive rates.
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