đ Loans Without CRB Check in Kenya
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.
No CRB Check Loan Options
Fuliza Biashara Overdraft
Safaricom M-Pesa
1.5% p.a.
KES 100 - 100,000
Okash Personal Loan
Okash (Opera)
5% - 10% p.a.
KES 500 - 50,000
OKash Instant Loan
Okash Kenya
8% - 20% p.a.
KES 1,500 - 50,000
Tala Instant Loan
Tala Kenya
11% - 15% p.a.
KES 1,000 - 50,000
Branch Personal Loan Plus
Branch International
12% - 21% p.a.
KES 250 - 100,000
Branch Personal Loan
Branch International
14% - 22% p.a.
KES 250 - 70,000
Tala Personal Loan Plus
Tala Kenya
15% - 25% p.a.
KES 500 - 70,000
MoKash Instant Loan
NCBA Bank / MTN
% p.a.
KES 500 - 150,000
Fuliza M-Pesa
Safaricom M-Pesa
% p.a.
KES 1 - 100,000
Tips for Getting No CRB Check Loans
- đĄFuliza doesn't check CRB for existing M-Pesa users
- đĄHustler Fund has no CRB requirement - government program
- đĄFirst-time borrowers can build credit through digital lenders
- đĄCheck your CRB status for free once a year
- đĄClear small debts first to improve your CRB profile
Frequently Asked Questions
Can I get a loan with bad CRB in Kenya?
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.
How do I check my CRB status for free?
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.
How long does CRB listing last in Kenya?
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.
Which banks lend to CRB-listed people?
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.
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Find Your Perfect Loan
Compare all 9 no crb check loan options and apply online.