Find lending options even with poor credit history. Compare loans that offer flexible CRB requirements or alternative credit assessment methods.
Be cautious of lenders advertising "no CRB check" - verify they are licensed by CBK or the Ministry of Finance. Legitimate options exist but require proper verification.
Safaricom M-Pesa
1.5% p.a.
KES 100 - 100,000
Okash (Opera)
5% - 10% p.a.
KES 500 - 50,000
Okash Kenya
8% - 20% p.a.
KES 1,500 - 50,000
Tala Kenya
11% - 15% p.a.
KES 1,000 - 50,000
Branch International
12% - 21% p.a.
KES 250 - 100,000
Branch International
14% - 22% p.a.
KES 250 - 70,000
Tala Kenya
15% - 25% p.a.
KES 500 - 70,000
Safaricom M-Pesa
% p.a.
KES 1 - 100,000
Yes, several options exist: Fuliza (based on M-Pesa usage, not CRB), Hustler Fund (government program, no CRB), Tala and Branch (use phone data scoring), and some SACCOs. Amounts are typically smaller, and rates may be higher, but these help rebuild credit.
You can check CRB status for free once a year via: TransUnion (*433*100#), Metropol (*433*5#), or Creditinfo (*272*100#). You'll receive a report showing your credit score, listed loans, and any negative listings. Cost is free once yearly, then KES 50-100.
Negative CRB listings remain for 5 years after the debt is cleared. However, once you pay off the debt, the status changes to "settled" which is less negative. Some lenders will work with you even with settled negative listings.
Most banks won't lend to CRB-negative customers, but options include: Fuliza (no CRB check), Hustler Fund, some SACCOs, and microfinance institutions. For bank loans, first clear the listing or negotiate with the original creditor.
Compare all 8 no crb check loan options and apply online.