Kopa Bila Kuweka Mali
Linganisha mikopo bora isiyolindwa Kenya. Hakuna dhamana, hakuna wadhamini, hakuna usalama unaohitajika. Idhinishwa kulingana na mapato yako na historia ya mkopo pekee.
Hakuna mali inayohitajika kulinda mkopo wako
Idhinishwa kwa dakika hadi masaa
Mali yako inabaki yako
Maombi ya kidijitali 100%
Mikopo ya papo hapo kupitia M-Pesa
Mikopo kutoka apps za simu
Mikopo ya benki ya kawaida
Mkopo wa mapema wa mshahara wako
| Amount | Available From | Interest Rate | Action |
|---|---|---|---|
| KES 50,000 | Apps zote za simu, wakopeshaji wa kidijitali | Kutoka 1% kwa mwezi | Compare |
| KES 100,000 | Branch, Tala, benki | Kutoka 13% kwa mwaka | Compare |
| KES 500,000 | Branch, mikopo ya kibinafsi ya benki | Kutoka 14% kwa mwaka | Compare |
| KES 1,000,000 | Benki kuu pekee | Kutoka 13% kwa mwaka | Compare |
| KES 2,000,000+ | KCB, Equity, Co-op, NCBA | Kutoka 13% kwa mwaka | Compare |
Compare the best lenders offering loans without collateral
An unsecured loan is a loan that doesn't require collateral or security. You don't need to pledge assets like land, car, or property. Approval is based on your creditworthiness, income, and repayment ability. Most mobile loans and personal loans in Kenya are unsecured.
Major banks offering unsecured loans include KCB (up to KES 3M), Equity Bank (up to KES 5M), Co-operative Bank (up to KES 3M), NCBA, Absa, Standard Chartered, and Stanbic. Digital lenders like Branch, Tala, and mobile money products (M-Shwari, Fuliza) also offer unsecured loans.
Unsecured loan limits vary: Mobile apps offer KES 500 to KES 500,000, bank personal loans range from KES 50,000 to KES 5,000,000 depending on your salary, and check-off loans can go up to 3x your monthly salary. Your limit depends on income, credit history, and lender policy.
Unsecured loan interest rates are typically higher than secured loans. Mobile loans charge 1-30% monthly (12-360% annually), while bank unsecured personal loans range from 13-25% per annum. The higher rates compensate lenders for increased risk.
Requirements typically include: Kenyan national ID, age 18-65, active M-Pesa account, proof of income (payslips for employed, bank statements for self-employed), good CRB status, and minimum income threshold (varies by lender). Most mobile loans have simpler requirements.
Yes, some lenders offer unsecured loans to those with negative CRB status. Fuliza and Hustler Fund don't require CRB clearance. However, your limit may be lower and interest rates higher. Building a positive repayment history can improve your options over time.
Approval speed varies: Mobile loans (Fuliza, M-Shwari, Branch) can be approved in minutes, digital lenders take 5-30 minutes, and bank unsecured personal loans take 24-72 hours. Pre-approved customers at banks may get same-day disbursement.
Yes, unsecured loans typically have higher interest rates (15-25% p.a. for banks, much higher for mobile loans) compared to secured loans (13-18% p.a.). The higher rate compensates lenders for the increased risk of lending without collateral. For large amounts, secured loans may be more cost-effective.
Compare the best unsecured loan options and apply today - no collateral needed.
Linganisha Mikopo Isiyolindwa