Novatok Credit

Compare all 2 products from Novatok Credit in Kenya. Borrow up to Ksh 50,000.

Ksh 50,000

Max Amount

Same day for most applications

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Novatok Credit Digital Loan	N/A	Ksh 500 - Ksh 50,000	Same day for most applications	Apply
Novatok Credit Digital Loan	N/A	Ksh 500 - Ksh 50,000	Same day for most applications	Apply

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Novatok Credit Pros & Cons

+Pros

✓Customer WhatsApp channel for quick escalations
✓Offers financial literacy resources for first-time borrowers
✓Local Kenyan customer-service team
✓No hidden charges beyond the advertised rate

-Cons

✗Newer entrant — shorter operational track record
✗Daily late-fee compounding can accumulate fast
✗Late payment reported to all three CRBs (Metropol, TransUnion, CreditInfo)

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone with internet
●M-Pesa account

Expert Analysis

Novatok Credit is a CBK-licensed Digital Credit Provider, licensed in 2026 under Kenya's 2022 DCP Regulations. Loans run from KES 500 to KES 50,000 with repayment terms of 14-120 days. Disbursement is via M-Pesa or Bank transfer - same day for most applications. Rates are not published upfront: pricing tiers by CRB band, loan size, and repayment history, and the full total cost of credit is disclosed before acceptance per CBK's Digital Credit Provider rules. Fees: processing fee varies by loan size and tier; no early-repayment penalty.

Frequently Asked Questions

What loan amounts are available from Novatok Credit?

Novatok Credit offers loan amounts from Ksh 500 up to Ksh 50,000 depending on the product and your eligibility.

How fast does Novatok Credit disburse loans?

The fastest disbursement time from Novatok Credit is Same day for most applications. Actual processing time varies by product type and application completeness.

Does Novatok Credit require CRB clearance?

Novatok Credit 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.