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Fast Loans in Kenya

Compare digital lending apps like Branch, Tala, Zenka. Get instant approval and money in your account fast.

Reviewed byPesaMarket Research Team
|Last verified: Jan 14, 2026

There are 22 fast loans available in Kenya with interest rates from 0.03% to 25% per annum. Amounts range from KES 50 to KES 500,000. PesaMarket updates this data regularly.

Showing 22 of 22 products

Chapeo Cash Loan

Chapeo

Interest Rate
100% below average
0.03% - 0.06%
per annum
Max Amount
KES 100K
Approval Time
Processing Fee
None
  • 100% digital application
  • No collateral required
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

MCo-op Cash Mobile Loan

Co-operative Bank of Kenya

Interest Rate
84% below average
4% - 9%
per annum
Max Amount
KES 500K
Approval Time
Instant
Processing Fee
None
  • Instant loan approval and disbursement
  • Apply via USSD *667# or M-Coop app
Apply Now
View Details & 0 Reviews →
⭐ Equity Bank customers

Equity Eazzy Loan

Equity Bank Kenya

Interest Rate
60% below average
10% - 16%
per annum
Max Amount
KES 100K
Approval Time
Instant (1 minute)
Processing Fee
0
  • Instant approval within 1 minute
  • Loans up to KES 100,000
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Haraka Instant Loan

Haraka Finance

Interest Rate
52% below average
12% - 20%
per annum
Max Amount
KES 50K
Approval Time
Under 5 minutes
Processing Fee
None
  • Loan approval in under 5 minutes
  • No CRB check for first loan
Apply Now
View Details & 0 Reviews →
⭐ M-Pesa users seeking lower fees

HF Whizz Instant Loan

HF Group

Interest Rate
70% below average
7.5%
per annum
Max Amount
KES 100K
Approval Time
Instant
Processing Fee
None
  • Low 7.5% facility fee
  • Backed by licensed bank (HF Group)
Apply Now
View Details & 0 Reviews →

Little Pesa Short-Term Loan

Little Pesa

Interest Rate
Varies
per annum
Max Amount
KES 200K
Approval Time
Processing Fee
None
  • No processing charges
  • Flexible tenure 7-62 days
Apply Now
View Details & 0 Reviews →
⭐ MTN Mobile Money users

MoKash Instant Loan

NCBA Bank / MTN

Interest Rate
64% below average
9%
per annum
Max Amount
KES 150K
Approval Time
Instant
Processing Fee
None
  • Instant loan via MTN Mobile Money
  • No CRB check for approval
Apply Now
View Details & 0 Reviews →
⭐ Android smartphone users

OKash Instant Loan

Okash Kenya

Interest Rate
68% below average
8% - 20%
per annum
Max Amount
KES 50K
Approval Time
2-5 minutes
Processing Fee
0
  • Instant approval within 2 minutes
  • Loans from KES 1,500 to KES 50,000
Apply Now
View Details & 0 Reviews →
⭐ First-time mobile loan users

Okash Personal Loan

Okash (Opera)

Interest Rate
80% below average
5% - 10%
per annum
Max Amount
KES 50K
Approval Time
Instant
Processing Fee
None
  • AI-powered instant loan approval
  • Apply via Okash mobile app
Apply Now
View Details & 0 Reviews →

Okolea Instant Loan

Okolea International

Interest Rate
55% below average
11.15% - 15%
per annum
Max Amount
KES 500K
Approval Time
Processing Fee
None
  • Instant approval and disbursement
  • No collateral required
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Senti Instant Loan

Senti App

Interest Rate
60% below average
10% - 20%
per annum
Max Amount
KES 50K
Approval Time
Within minutes
Processing Fee
None
  • Fast loan approval
  • No CRB check for first loan
Apply Now
View Details & 0 Reviews →

SokoHela Instant Loan

Sokohela

Interest Rate
72% below average
Varies
per annum
Max Amount
N/A
Approval Time
Processing Fee
None
  • Among first 10 CBK licensed
  • Agri financing available
Apply Now
View Details & 0 Reviews →
⭐ First-time digital borrowers

Tala Instant Loan

Tala Kenya

Interest Rate
56% below average
11% - 15%
per annum
Max Amount
KES 50K
Approval Time
10 minutes for first loan, instant for repeat users
Processing Fee
None
  • First loan approved within 10 minutes
  • Loan limit up to KES 50,000
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Timiza Instant Loan

ABSA Bank Kenya

Interest Rate
60% below average
10% - 18%
per annum
Max Amount
KES 150K
Approval Time
Instant (0-1 minute)
Processing Fee
0
  • Instant approval (1 minute)
  • No paperwork required
Apply Now
View Details & 0 Reviews →

UbaPesa Instant Loan

UbaPesa

Interest Rate
N/A
per annum
Max Amount
N/A
Approval Time
Processing Fee
None
  • CBK licensed
  • Fast approval
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers

Zenka Instant Loan

Zenka Finance Limited

Interest Rate
64% below average
9% - 15%
per annum
Max Amount
KES 30K
Approval Time
Instant (1 minute)
Processing Fee
0
  • Instant approval within 1 minute
  • Loans from KES 500 to KES 30,000
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Zenka Personal Loan

Zenka Finance

Interest Rate
82% below average
4.5% - 9%
per annum
Max Amount
KES 50K
Approval Time
Instant
Processing Fee
None
  • Instant loan approval
  • Apply via Zenka mobile app
Apply Now
View Details & 0 Reviews →
⭐ Tech-savvy borrowers

Branch Personal Loan

Branch International

Interest Rate
44% below average
14% - 22%
per annum
Max Amount
KES 70K
Approval Time
5-10 minutes
Processing Fee
None
  • 100% digital - download app and apply
  • Instant approval in minutes
Apply Now
View Details & 0 Reviews →
⭐ Emergency expenses

Branch Personal Loan Plus

Branch International

Interest Rate
52% below average
12% - 21%
per annum
Max Amount
KES 100K
Approval Time
Instant
Processing Fee
None
  • AI-powered instant loan approval
  • Apply via Branch mobile app
Apply Now
View Details & 0 Reviews →
⭐ Quick emergency loans

iPesa Instant Loan

iPesa Kenya

Interest Rate
40% below average
15% - 25%
per annum
Max Amount
KES 50K
Approval Time
Within minutes
Processing Fee
None
  • Instant loan approval
  • No paperwork required
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers

Tala Personal Loan Plus

Tala Kenya

Interest Rate
40% below average
15% - 25%
per annum
Max Amount
KES 70K
Approval Time
Instant
Processing Fee
None
  • Alternative credit scoring using phone data
  • Instant loan approval (within minutes)
Apply Now
View Details & 0 Reviews →

TruePesa Instant Loan

TruePesa

Interest Rate
52% below average
12% - 25%
per annum
Max Amount
KES 80K
Approval Time
Processing Fee
None
  • Low APR of 12-25%
  • Loans up to KES 80,000
Apply Now
View Details & 0 Reviews →

Expert Advice

“Speed comes at a cost. The fastest-disbursing loans in Kenya charge 2-5x higher effective rates than bank loans. Always check the total repayment amount, not just the processing time.”

P
PesaMarket Research Team

Financial Analysis

Worried about your CRB?

Many mobile lenders have lenient CRB requirements. See your options.

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Fast Loans by Location

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Fast Loans by Amount

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