Check if a loan app is a scam before you borrow. Database of reported scams.
Hundreds of Kenyans lose money daily to fake loan apps. These apps charge exorbitant rates, harass borrowers and their contacts, and operate outside the law.
AVOID. Report to CBK and police if affected.
AVOID. Stop payments if already borrowed. Report to authorities.
CAUTION. Verify license before borrowing. Consider alternatives.
SCAM. Never pay fees before receiving a loan. Report immediately.
CAUTION. Recommend using licensed alternatives instead.
DANGEROUS SCAM. If affected, report to police immediately.
Help protect other Kenyans. If you've been scammed by a lender, report it to us and the authorities.
Fake app promises "instant approval" with "no credit check." Looks professional with fake reviews.
Requests dangerous permissions: contacts, photos, messages. You grant them, thinking it's normal.
Loan approved! But they deduct 30-50% in "fees." Your KES 10,000 loan becomes KES 5,000 in your hand.
Can't repay on time? They call your boss, family, friends. Share embarrassing photos. Threaten violence.
Red flags: Not CBK-licensed, requests access to contacts/photos, extremely high interest rates (200%+), harassment tactics, no physical address, huge upfront fees. Always verify with CBK before borrowing.
Stop payments, report to CBK (complaints@centralbank.go.ke) and police, revoke all app permissions, document harassment, warn contacts, and don't give in to threats.
No. Only CBK-licensed institutions can report to CRBs. Unlicensed scam lenders have no authority. Their CRB threats are bluffs designed to scare you into paying.
Report to CBK (complaints@centralbank.go.ke, 020 286 0000), file a police report with evidence, report the app on Google Play Store, and use our form to warn other Kenyans.
Don't risk it with scam apps. Compare rates from 40+ CBK-licensed institutions.
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