⥠Emergency Loans in Kenya - Quick Cash When You Need It
Life happens. When unexpected expenses arise, get fast access to emergency funds. Compare instant mobile loans, same-day bank loans, and other quick financing options.
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Best Loans for Emergency
Chapeo Cash Loan
Chapeo
0.03% - 0.06% p.a.
KES 1,000 - 100,000
Taasi Pochi Business Loan
Safaricom M-Pesa
0.5% - 1% p.a.
KES 1,000 - 150,000
Taasi Till Business Loan
Safaricom M-Pesa
0.5% - 1% p.a.
KES 1,000 - 250,000
Fuliza Biashara Overdraft
Safaricom M-Pesa
1.5% p.a.
KES 100 - 100,000
MCo-op Cash Mobile Loan
Co-operative Bank of Kenya
4% - 9% p.a.
KES 50 - 500,000
M-Shwari Loan
Safaricom M-Pesa (powered by NCBA)
7.5% p.a.
KES 100 - 1,000,000
Tips for Getting Emergency Loans
- đĄFuliza is the fastest option - instant overdraft on M-Pesa
- đĄKeep your M-Shwari limit active for emergencies
- đĄBranch and Tala pre-approve you based on phone data
- đĄBank customers can get instant overdrafts if pre-approved
- đĄRepay quickly to minimize interest costs on emergency loans
Frequently Asked Questions
What is the fastest way to get a loan in Kenya?
The fastest loan options in Kenya are: 1) Fuliza - instant M-Pesa overdraft, 2) M-Shwari - approved in seconds via *334#, 3) Branch app - 5-minute approval, 4) Tala app - instant decision for existing users. These can disburse money within minutes to your M-Pesa.
Can I get a loan immediately in Kenya?
Yes, mobile loans provide immediate disbursement. Fuliza allows instant overdraft during M-Pesa transactions. M-Shwari loans are disbursed within minutes. App-based lenders like Branch, Tala, and OKash approve loans in 5-15 minutes and send money instantly to M-Pesa.
How much can I borrow for an emergency?
Emergency loan limits vary: Fuliza up to KES 70,000 (based on M-Pesa usage), M-Shwari up to KES 50,000, Branch up to KES 70,000, Tala up to KES 50,000. Bank overdrafts can offer more for existing customers. Limits increase with good repayment history.
What are the interest rates for emergency loans?
Emergency loan rates are higher due to convenience: Fuliza charges 0.5% daily, M-Shwari 7.5% monthly (~90% p.a.), Branch 1.25-17% monthly, Tala 3-11% monthly. Despite higher rates, they're suitable for short-term needs. Repay quickly to minimize costs.
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