How can I tell if a loan app is a scam?

Red flags include: 1) Not licensed by CBK, 2) Asks for access to contacts/photos/messages, 3) Charges extremely high interest (over 200% APR), 4) Harasses your contacts, 5) No physical address or customer support, 6) Deducts huge fees before disbursement, 7) Makes threats or shares personal info publicly. Always verify the lender is CBK-licensed before borrowing.

What should I do if I borrowed from a scam loan app?

If you borrowed from a scam app: 1) Stop making payments, 2) Report to CBK (complaints@centralbank.go.ke) and police, 3) Revoke all app permissions immediately, 4) Document all harassment as evidence, 5) Warn your contacts they may be contacted, 6) Do NOT give in to threats - illegal lenders have no legal standing. Their threats of CRB listing are false.

Can scam loan apps really access my contacts and photos?

Yes, if you granted them permissions. Many scam apps request access to contacts, SMS, photos, and call logs. They use this to harass you and your contacts, and sometimes publicly shame borrowers by sharing photos. Always check app permissions before installing. Legitimate lenders like banks do NOT need access to your contacts or photos.

How do I report a loan scam in Kenya?

Report to: 1) Central Bank of Kenya - Email: complaints@centralbank.go.ke, Phone: 020 286 0000, 2) Kenya Police - Visit your nearest station with evidence, 3) PesaMarket - Use our report form to warn others, 4) Google Play Store - Report the app to get it removed. Save all evidence (screenshots, messages, call logs) before reporting.

Will scam lenders report me to CRB if I don't pay?

No. Only CBK-licensed financial institutions can report to Credit Reference Bureaus. Unlicensed scam lenders have no authority to report to CRB. This is a common scare tactic they use to pressure payment. If an unlicensed lender threatens CRB listing, it's a bluff - report them immediately.

🚨 Kikaguzi cha Ulaghai wa Mikopo Kenya

Kagua kama app ya mkopo ni ulaghai kabla hujaikopa. Hifadhidata ya ulaghai ulioripotiwa.

🛡️Jilinde

📊Ripoti za Watumiaji Halisi

⚠️Imesasishwa Kila Siku

⚠️

Ulaghai wa Mikopo Unaongezeka Kenya

Mamia ya Wakenya wanapoteza pesa kila siku kwa apps za mikopo za ulaghai. Apps hizi zinadai riba kubwa, zinawasumbua wakopaji na marafiki zao, na zinafanya kazi nje ya sheria.

📈 Ripoti 2,500+ za ulaghai 2024💰 Hasara ya wastani: KES 15,000⚖️ Wachache 5% wanaripoti polisi

Search by lender or app name

Status

6 scam reports found • 2763 total user reports

QuickCash Kenya (FAKE)

🚨 Confirmed ScamFake Loan App847 reports

⚠️ Common Complaints

•Charges 200%+ interest rates
•Harasses borrower contacts
•Shares personal photos publicly
•No CBK license displayed
•Impossible to contact support

🔍 Evidence

✗Not registered with CBK
✗Multiple police reports filed
✗800+ harassment complaints

🛑

Recommended Action:

AVOID. Report to CBK and police if affected.

First reported: 15 August 2024

EasyMoney Loans (FAKE)

🚨 Confirmed ScamFake Loan App623 reports

⚠️ Common Complaints

•Deducts 40% "processing fee" before disbursement
•Sends threatening messages to contacts
•Claims to report to CRB (they can't)
•Requires access to contacts and photos
•Interest compounds daily at 5%

🔍 Evidence

✗Not licensed by CBK
✗Operating from outside Kenya
✗Uses fake company registration

🛑

Recommended Action:

AVOID. Stop payments if already borrowed. Report to authorities.

First reported: 22 July 2024

InstaCash254

Under InvestigationSuspicious Loan App234 reports

⚠️ Common Complaints

•Very high interest rates (15% per week)
•Aggressive collection tactics
•Unclear licensing status
•Poor customer service

🔍 Evidence

✗Cannot verify CBK license
✗Multiple complaints filed
✗App removed from Play Store once

⚠️

Recommended Action:

CAUTION. Verify license before borrowing. Consider alternatives.

First reported: 1 October 2024

LoanPro Kenya (FAKE)

🚨 Confirmed ScamFake Loan App512 reports

⚠️ Common Complaints

•Never disburses loans after payment of "insurance"
•Asks for upfront fees before approval
•Disappears after collecting fees
•No physical address or contact
•Website looks professional but is fake

🔍 Evidence

✗Classic advance-fee fraud
✗Not registered with CBK
✗Multiple victims came forward
✗Domain registered anonymously

🛑

Recommended Action:

SCAM. Never pay fees before receiving a loan. Report immediately.

First reported: 10 June 2024

FastPesa Loans

SuspiciousSuspicious Loan App156 reports

⚠️ Common Complaints

•Excessive app permissions requested
•High hidden fees
•Difficult to reach customer service
•Unclear terms and conditions

🔍 Evidence

✗License status unclear
✗Poor Google Play reviews
✗Similar complaints pattern

⚠️

Recommended Action:

CAUTION. Recommend using licensed alternatives instead.

First reported: 15 September 2024

CashNow Kenya (FAKE)

🚨 Confirmed ScamFake Loan App391 reports

⚠️ Common Complaints

•Calls employers and family members
•Photoshops borrower photos with insults
•Posts debt information on social media
•Threatens physical violence
•Impossible interest rates (300% APR)

🔍 Evidence

✗Multiple assault threats documented
✗Criminal complaints filed
✗Not licensed by CBK
✗Operates from unverified location

🛑

Recommended Action:

DANGEROUS SCAM. If affected, report to police immediately.

First reported: 20 May 2024

🚨 Report a Loan Scam

Help protect other Kenyans. If you've been scammed by a lender, report it to us and the authorities.

📧 Email CBK

🎭 Jinsi Ulaghai wa Mikopo Unavyofanya Kazi

1️⃣

Ndoano

App ya ulaghai inaahidi "idhini ya papo hapo" bila "ukaguzi wa mkopo." Inaonekana ya kitaalamu na mapitio ya uongo.

2️⃣

Mtego

Inaomba ruhusa hatari: anwani, picha, ujumbe. Unawapa, ukifikiri ni kawaida.

3️⃣

Uchoma

Mkopo umeidhinishwa! Lakini wanakata 30-50% kama "ada." Mkopo wako wa KES 10,000 unakuwa KES 5,000 mkononi.

4️⃣

Kutisha

Huwezi kulipa kwa wakati? Wanapigia simu bosi wako, familia, marafiki. Wanashiriki picha za aibu. Wanakutishia unyama.

🛡️ Jinsi ya Kujilinda

✅KABLA ya Kusakinisha App

• Kagua kama imeajiriwa na CBK (tumia Saraka yetu ya Wakopaji)
• Soma mapitio ya Google Play kwa makini
• Tafuta "[jina la app] ulaghai" kwenye Google
• Angalia hifadhidata hii ya ulaghai
• Uliza marafiki kama wametumia

🚫KAMWE Usitoe Ruhusa Hizi

• Upatikanaji wa anwani
• Upatikanaji wa picha/galari
• Upatikanaji wa SMS/ujumbe
• Upatikanaji wa kumbukumbu za simu
• Upatikanaji wa mahali (isipokuwa ni lazima)

📱Mbinu Salama za Kukopa

• Tumia wakopaji walioajiriwa na CBK tu
• Soma masharti yote kabla ya kukubali
• Kokotoa gharama jumla kwa kikokotoo chetu
• Kamwe usilipe ada KABLA ya kupata mkopo
• Weka picha za skrini za kila kitu

🚨Kama Tayari Umepata Ulaghai

• Acha malipo mara moja
• Ondoa ruhusa zote za app
• Ripoti kwa CBK na polisi
• Andika usumbufu wote
• Onya anwani zako

Maswali Yanayoulizwa Mara kwa Mara

Ninawezaje kujua kama app ya mkopo ni ulaghai?

Ishara za hatari: Haijaajiriwa na CBK, inaomba upatikanaji wa anwani/picha, riba kubwa sana (zaidi ya 200%), mbinu za usumbufu, hakuna anwani halisi, ada kubwa kabla ya mkopo. Thibitisha na CBK daima kabla ya kukopa.

Nifanye nini kama nimekopa kutoka app ya ulaghai?

Acha malipo, ripoti kwa CBK (complaints@centralbank.go.ke) na polisi, ondoa ruhusa zote za app, andika usumbufu, onya anwani zako, na usikubali vitisho.

Wakopaji wa ulaghai wanaweza kuniripoti CRB?

Hapana. Taasisi zilizo na leseni za CBK tu ndizo zinaweza kuripoti kwa CRB. Wakopaji wa ulaghai bila leseni hawana mamlaka. Vitisho vyao vya CRB ni uongo ili kukuogofya kulipa.

Niriportieje ulaghai wa mkopo?

Ripoti kwa CBK (complaints@centralbank.go.ke, 020 286 0000), fanya ripoti ya polisi na ushahidi, ripoti app kwenye Google Play Store, na tumia fomu yetu kuonya Wakenya wengine.

Kopa Salama kutoka Wakopaji Walioajiriwa

Usijitie hatarini na apps za ulaghai. Linganisha viwango kutoka taasisi 40+ zilizo na leseni za CBK.

Tazama Wakopaji Walioajiriwa Linganisha Mikopo Salama

Saidia Wengine Kuepuka Ulaghai wa Mikopo

Shiriki kikaguzi hiki cha ulaghai kulinda marafiki na familia yako

🎭 Jinsi Ulaghai wa Mikopo Unavyofanya Kazi

1️⃣

Ndoano

App ya ulaghai inaahidi "idhini ya papo hapo" bila "ukaguzi wa mkopo." Inaonekana ya kitaalamu na mapitio ya uongo.

2️⃣

Mtego

Inaomba ruhusa hatari: anwani, picha, ujumbe. Unawapa, ukifikiri ni kawaida.

3️⃣

Uchoma

Mkopo umeidhinishwa! Lakini wanakata 30-50% kama "ada." Mkopo wako wa KES 10,000 unakuwa KES 5,000 mkononi.

4️⃣

Kutisha

Huwezi kulipa kwa wakati? Wanapigia simu bosi wako, familia, marafiki. Wanashiriki picha za aibu. Wanakutishia unyama.

🛡️ Jinsi ya Kujilinda

✅KABLA ya Kusakinisha App

• Kagua kama imeajiriwa na CBK (tumia Saraka yetu ya Wakopaji)
• Soma mapitio ya Google Play kwa makini
• Tafuta "[jina la app] ulaghai" kwenye Google
• Angalia hifadhidata hii ya ulaghai
• Uliza marafiki kama wametumia

🚫KAMWE Usitoe Ruhusa Hizi

• Upatikanaji wa anwani
• Upatikanaji wa picha/galari
• Upatikanaji wa SMS/ujumbe
• Upatikanaji wa kumbukumbu za simu
• Upatikanaji wa mahali (isipokuwa ni lazima)

📱Mbinu Salama za Kukopa

• Tumia wakopaji walioajiriwa na CBK tu
• Soma masharti yote kabla ya kukubali
• Kokotoa gharama jumla kwa kikokotoo chetu
• Kamwe usilipe ada KABLA ya kupata mkopo
• Weka picha za skrini za kila kitu

🚨Kama Tayari Umepata Ulaghai

• Acha malipo mara moja
• Ondoa ruhusa zote za app
• Ripoti kwa CBK na polisi
• Andika usumbufu wote
• Onya anwani zako

Maswali Yanayoulizwa Mara kwa Mara

Ninawezaje kujua kama app ya mkopo ni ulaghai?

Nifanye nini kama nimekopa kutoka app ya ulaghai?

Acha malipo, ripoti kwa CBK (complaints@centralbank.go.ke) na polisi, ondoa ruhusa zote za app, andika usumbufu, onya anwani zako, na usikubali vitisho.

Wakopaji wa ulaghai wanaweza kuniripoti CRB?

Hapana. Taasisi zilizo na leseni za CBK tu ndizo zinaweza kuripoti kwa CRB. Wakopaji wa ulaghai bila leseni hawana mamlaka. Vitisho vyao vya CRB ni uongo ili kukuogofya kulipa.

Niriportieje ulaghai wa mkopo?

Ripoti kwa CBK (complaints@centralbank.go.ke, 020 286 0000), fanya ripoti ya polisi na ushahidi, ripoti app kwenye Google Play Store, na tumia fomu yetu kuonya Wakenya wengine.