10 Best Loan Apps in Kenya That May Give Loans Without CRB Check (2026)

Getting a loan can be difficult if you have a negative CRB record. However, some mobile loan apps in Kenya do not rely only on your CRB status when deciding whether to lend you money.

Instead, they may look at factors such as your M-Pesa transaction history, how you use your phone, your repayment history, and your overall financial activity. If you qualify, you may start with a small loan and increase your limit by repaying on time.

1. Hustler Fund

The Hustler Fund is one of the cheapest loan options in Kenya.

• Does not use CRB status to determine eligibility.
• Offers affordable interest rates.
• Money is sent directly to your mobile phone.

2. Fuliza M-Pesa

Fuliza allows you to complete M-Pesa transactions even when your balance is low.

• Your limit depends mainly on your M-Pesa usage.
• The amount used is deducted automatically when you receive money.

3. M-Shwari

M-Shwari is a mobile banking service offered by NCBA and Safaricom.

• Loan limits are based on your M-Pesa activity and savings habits.
• You can save money and apply for loans through the same service.

4. KCB M-Pesa

KCB M-Pesa offers quick mobile loans through Safaricom.

• Your borrowing limit depends on your transaction history and repayment record.
• Loans are sent directly to M-Pesa.

5. Tala

Tala is one of the most popular loan apps in Kenya.

• May consider factors other than your CRB record.
• Loan limits can increase as you repay on time.
• Money is sent directly to M-Pesa.

6. Branch

Branch provides personal loans through its mobile app.

• Uses information such as your financial activity and repayment behaviour.
• Offers different loan amounts depending on your eligibility.

7. Zenka

Zenka is known for providing quick mobile loans.

• New customers may qualify for special promotional offers.
• Good repayment history can increase your loan limit.

8. Okolea

Okolea offers short-term personal loans.

• Loan approval is based on your application and financial information.
• Repayment periods vary depending on the loan.

9. Timiza

Timiza is a mobile banking service from Absa Bank Kenya.

• Offers emergency loans and other banking services.
• No physical collateral is required.

10. Zash Loan

Zash Loan is designed for people looking for fast emergency loans.

• Loan amounts depend on your eligibility.
• The application process is completed through the mobile app.

Things to Know Before Applying

Before borrowing from any loan app:

• Download the app only from the Google Play Store or the App Store.
• Check that the lender is licensed by the Central Bank of Kenya (CBK).
• Never pay an upfront fee to receive a loan.
• Read the interest rates and repayment terms before accepting the loan.
• Borrow only what you can comfortably repay.

Conclusion

Having a CRB listing does not always mean you cannot access a mobile loan. Some lenders use your M-Pesa activity, repayment history, and other financial information instead of relying only on CRB records. Always compare different loan apps and choose one with fair interest rates and clear repayment terms.

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