Nyumbani›Mikopo ya Haraka

🇰🇪 KWA KIBURI WA KENYA

Mikopo ya Haraka nchini Kenya

Linganisha digital lending apps kama Branch, Tala, Zenka. Pata instant approval na pesa haraka.

Imekaguliwa naTimu ya Utafiti ya PesaMarket

|Ilithibitishwa mwisho: Jan 14, 2026

Kuna 22 mikopo ya haraka zinazopatikana nchini Kenya na viwango vya riba kuanzia 0.03% hadi 25% kwa mwaka. Kiasi cha mkopo kinaanzia KES 50 hadi KES 500,000. PesaMarket husasisha data hii mara kwa mara.

Tafuta

Panga Kwa

Benki/Mtoa Huduma

Kiasi cha Chini cha Mkopo

Inaonyesha 22 kati ya 22 bidhaa

Chapeo Cash Loan

Chapeo

Select Chapeo Cash Loan to compare

Kiwango cha Riba

100% chini ya wastani

0.03% - 0.06%

kwa mwaka

Kiasi cha Juu

KES 100K

Muda wa Uidhinishaji

Ada ya Usindikaji

Hakuna

100% digital application
No collateral required

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Emergency cash needs

MCo-op Cash Mobile Loan

Co-operative Bank of Kenya

Select MCo-op Cash Mobile Loan to compare

Kiwango cha Riba

84% chini ya wastani

4% - 9%

kwa mwaka

Kiasi cha Juu

KES 500K

Muda wa Uidhinishaji

Instant

Ada ya Usindikaji

Hakuna

Instant loan approval and disbursement
Apply via USSD *667# or M-Coop app

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Equity Bank customers

Equity Eazzy Loan

Equity Bank Kenya

Select Equity Eazzy Loan to compare

Kiwango cha Riba

60% chini ya wastani

10% - 16%

kwa mwaka

Kiasi cha Juu

KES 100K

Muda wa Uidhinishaji

Instant (1 minute)

Ada ya Usindikaji

Instant approval within 1 minute
Loans up to KES 100,000

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Emergency cash needs

Haraka Instant Loan

Haraka Finance

Select Haraka Instant Loan to compare

Kiwango cha Riba

52% chini ya wastani

12% - 20%

kwa mwaka

Kiasi cha Juu

KES 50K

Muda wa Uidhinishaji

Under 5 minutes

Ada ya Usindikaji

Hakuna

Loan approval in under 5 minutes
No CRB check for first loan

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ M-Pesa users seeking lower fees

HF Whizz Instant Loan

HF Group

Select HF Whizz Instant Loan to compare

Kiwango cha Riba

70% chini ya wastani

7.5%

kwa mwaka

Kiasi cha Juu

KES 100K

Muda wa Uidhinishaji

Instant

Ada ya Usindikaji

Hakuna

Low 7.5% facility fee
Backed by licensed bank (HF Group)

Omba Sasa

Tazama Maelezo na Tathmini 0 →

Little Pesa Short-Term Loan

Little Pesa

Select Little Pesa Short-Term Loan to compare

Kiwango cha Riba

Inatofautiana

kwa mwaka

Kiasi cha Juu

KES 200K

Muda wa Uidhinishaji

Ada ya Usindikaji

None

No processing charges
Flexible tenure 7-62 days

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ MTN Mobile Money users

MoKash Instant Loan

NCBA Bank / MTN

Select MoKash Instant Loan to compare

Kiwango cha Riba

64% chini ya wastani

kwa mwaka

Kiasi cha Juu

KES 150K

Muda wa Uidhinishaji

Instant

Ada ya Usindikaji

Hakuna

Instant loan via MTN Mobile Money
No CRB check for approval

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Android smartphone users

OKash Instant Loan

Okash Kenya

Select OKash Instant Loan to compare

Kiwango cha Riba

68% chini ya wastani

8% - 20%

kwa mwaka

Kiasi cha Juu

KES 50K

Muda wa Uidhinishaji

2-5 minutes

Ada ya Usindikaji

Instant approval within 2 minutes
Loans from KES 1,500 to KES 50,000

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time mobile loan users

Okash Personal Loan

Okash (Opera)

Select Okash Personal Loan to compare

Kiwango cha Riba

80% chini ya wastani

5% - 10%

kwa mwaka

Kiasi cha Juu

KES 50K

Muda wa Uidhinishaji

Instant

Ada ya Usindikaji

Hakuna

AI-powered instant loan approval
Apply via Okash mobile app

Omba Sasa

Tazama Maelezo na Tathmini 0 →

Okolea Instant Loan

Okolea International

Select Okolea Instant Loan to compare

Kiwango cha Riba

55% chini ya wastani

11.15% - 15%

kwa mwaka

Kiasi cha Juu

KES 500K

Muda wa Uidhinishaji

Ada ya Usindikaji

Hakuna

Instant approval and disbursement
No collateral required

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Emergency cash needs

Senti Instant Loan

Senti App

Select Senti Instant Loan to compare

Kiwango cha Riba

60% chini ya wastani

10% - 20%

kwa mwaka

Kiasi cha Juu

KES 50K

Muda wa Uidhinishaji

Within minutes

Ada ya Usindikaji

Hakuna

Fast loan approval
No CRB check for first loan

Omba Sasa

Tazama Maelezo na Tathmini 0 →

SokoHela Instant Loan

Sokohela

Select SokoHela Instant Loan to compare

Kiwango cha Riba

72% chini ya wastani

Inatofautiana

kwa mwaka

Kiasi cha Juu

N/A

Muda wa Uidhinishaji

Ada ya Usindikaji

Hakuna

Among first 10 CBK licensed
Agri financing available

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time digital borrowers

Tala Instant Loan

Tala Kenya

Select Tala Instant Loan to compare

Kiwango cha Riba

56% chini ya wastani

11% - 15%

kwa mwaka

Kiasi cha Juu

KES 50K

Muda wa Uidhinishaji

10 minutes for first loan, instant for repeat users

Ada ya Usindikaji

Hakuna

First loan approved within 10 minutes
Loan limit up to KES 50,000

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Emergency cash needs

Timiza Instant Loan

ABSA Bank Kenya

Select Timiza Instant Loan to compare

Kiwango cha Riba

60% chini ya wastani

10% - 18%

kwa mwaka

Kiasi cha Juu

KES 150K

Muda wa Uidhinishaji

Instant (0-1 minute)

Ada ya Usindikaji

Instant approval (1 minute)
No paperwork required

Omba Sasa

Tazama Maelezo na Tathmini 0 →

UbaPesa Instant Loan

UbaPesa

Select UbaPesa Instant Loan to compare

Kiwango cha Riba

N/A

kwa mwaka

Kiasi cha Juu

N/A

Muda wa Uidhinishaji

Ada ya Usindikaji

Hakuna

CBK licensed
Fast approval

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time borrowers

Zenka Instant Loan

Zenka Finance Limited

Select Zenka Instant Loan to compare

Kiwango cha Riba

64% chini ya wastani

9% - 15%

kwa mwaka

Kiasi cha Juu

KES 30K

Muda wa Uidhinishaji

Instant (1 minute)

Ada ya Usindikaji

Instant approval within 1 minute
Loans from KES 500 to KES 30,000

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Emergency cash needs

Zenka Personal Loan

Zenka Finance

Select Zenka Personal Loan to compare

Kiwango cha Riba

82% chini ya wastani

4.5% - 9%

kwa mwaka

Kiasi cha Juu

KES 50K

Muda wa Uidhinishaji

Instant

Ada ya Usindikaji

Hakuna

Instant loan approval
Apply via Zenka mobile app

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Tech-savvy borrowers

Branch Personal Loan

Branch International

Select Branch Personal Loan to compare

Kiwango cha Riba

44% chini ya wastani

14% - 22%

kwa mwaka

Kiasi cha Juu

KES 70K

Muda wa Uidhinishaji

5-10 minutes

Ada ya Usindikaji

Hakuna

100% digital - download app and apply
Instant approval in minutes

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Emergency expenses

Branch Personal Loan Plus

Branch International

Select Branch Personal Loan Plus to compare

Kiwango cha Riba

52% chini ya wastani

12% - 21%

kwa mwaka

Kiasi cha Juu

KES 100K

Muda wa Uidhinishaji

Instant

Ada ya Usindikaji

Hakuna

AI-powered instant loan approval
Apply via Branch mobile app

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Quick emergency loans

iPesa Instant Loan

iPesa Kenya

Select iPesa Instant Loan to compare

Kiwango cha Riba

40% chini ya wastani

15% - 25%

kwa mwaka

Kiasi cha Juu

KES 50K

Muda wa Uidhinishaji

Within minutes

Ada ya Usindikaji

Hakuna

Instant loan approval
No paperwork required

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time borrowers

Tala Personal Loan Plus

Tala Kenya

Select Tala Personal Loan Plus to compare

Kiwango cha Riba

40% chini ya wastani

15% - 25%

kwa mwaka

Kiasi cha Juu

KES 70K

Muda wa Uidhinishaji

Instant

Ada ya Usindikaji

Hakuna

Alternative credit scoring using phone data
Instant loan approval (within minutes)

Omba Sasa

Tazama Maelezo na Tathmini 0 →

TruePesa Instant Loan

TruePesa

Select TruePesa Instant Loan to compare

Kiwango cha Riba

52% chini ya wastani

12% - 25%

kwa mwaka

Kiasi cha Juu

KES 80K

Muda wa Uidhinishaji

Ada ya Usindikaji

Hakuna

Low APR of 12-25%
Loans up to KES 80,000

Omba Sasa

Tazama Maelezo na Tathmini 0 →

Ushauri wa Mtaalamu

“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

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