HFCB

Compare all 1 products from HFCB in Kenya. Rates from 110.24216666666666%. Borrow up to Ksh 250,000.

110.24216666666666%

Lowest Rate

Ksh 250,000

Max Amount

Instant

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
HFCB Whizz Instant Loan	N/A	Ksh 1,000 - Ksh 250,000	Instant	Apply

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HFCB Pros & Cons

+Pros

✓Bank-published tariff (6% processing fee, risk-based interest)
✓Backed by CBK-licensed bank
✓Higher limits (up to KES 250K)
✓No CRB check
✓Instant disbursement
✓Both USSD and app access

-Cons

✗Requires 6+ months M-Pesa history
✗Late payment fee of 26% plus 30% p.a. penalty interest
✗Lower initial limits

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any M-Pesa user

Required Documents (across all products)

●National ID
●M-Pesa account (6+ months active)

Expert Analysis

HFCB (formerly HF Group) is a CBK-licensed commercial bank; HFCB Group Plc is regulated by the CMA and the CBK. Whizz is its mobile loan, now listed as 'HFCB Whizz'. The Google Play listing (updated May 29, 2026) offers KES 1,000 to KES 250,000: loans of KES 1,000 to 29,999 run up to 1 month, and loans of KES 30,000 and above run 1 or 3 months; the 2026 tariff guide says up to 6 months. The listing states a 'Maximum APR: 9.061% per annum', but its own example (KES 1,000 for 1 month costs KES 90.61) shows the figure is per month. Interest is deducted upfront. The 2026 tariff adds a 6% processing fee, risk-based interest, a 26% late payment fee (base not stated) and 30% p.a. penalty interest.

Frequently Asked Questions

What interest rates does HFCB offer?

HFCB offers interest rates from 110.24216666666666% across their product range.

What loan amounts are available from HFCB?

HFCB offers loan amounts from Ksh 1,000 up to Ksh 250,000 depending on the product and your eligibility.

How fast does HFCB disburse loans?

The fastest disbursement time from HFCB is Instant. Actual processing time varies by product type and application completeness.

Does HFCB require CRB clearance?

HFCB does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.