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Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
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Compare personal loans
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Flexible mid-range options
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- Rate
- 20.0–36.0%
- Amount
- KSh200k–KSh5M
- Timing
- 48 hours
Watu Gari provides flexible car financing solutions in Kenya with up to 80% financing.
- Kenyan resident
- Aged 21+
- Valid driving licence
- Rate
- 88.0–107.0%
- Amount
- KSh50–KSh150k
- Timing
- Instant
Instant mobile loan through KCB and Safaricom partnership. Rates around 8.80% facility fee for 30 days. Higher limits than M-Shwari. Loan grows with savings and repayment history.
- Kenyan M-PESA user
- Active KCB M-PESA account
- Rate
- 8.99–12.0%
- Amount
- Up to KSh10
- Timing
- —
Fixed-rate affordable housing loan at 8.99% p.a. in partnership with Kenya Mortgage Refinance Company. Loans up to KES 10.5 million for affordable housing units.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 13.0–18.0%
- Amount
- KSh500k
- Timing
- 3-5 business days
Compare the terms, requirements, and editorial notes before you click through.
- Kenyan citizen or resident
- Regular income
- Comprehensive insurance
- Rate
- 13.0–16.0%
- Amount
- KSh50k–KSh5M
- Timing
- 2-3 business days
Borrow up to KES 6,000,000 unsecured from ABSA Kenya. Flexible repayment up to 96 months with salary check-off option. Credit life insurance included. One of the most competitive rates among big banks at ~13.75%.
- Kenyan resident
- Age 18+
- Regular salary
- Rate
- 14.0–19.0%
- Amount
- KSh500k
- Timing
- Quick processing through KCB branches
Vehicle financing from KCB Bank for new and used cars. Finance up to 90% of the vehicle value with repayment periods up to 60 months.
- Kenyan citizen or resident
- Age 18+
- Salaried or self-employed
- Rate
- 109.0–219.0%
- Amount
- KSh500–KSh50k
- Timing
- Minutes
Tala is a CBK-licensed digital lender offering instant loans up to KES 50,000 via their mobile app. Interest starts at 0.3% per day. Over 10 million global customers. Funds sent directly to M-PESA.
- Kenyan M-PESA user
- Smartphone with Tala app
- Rate
- 18.0–36.0%
- Amount
- KSh100k–KSh2.5M
- Timing
- Fast approval, same-day disbursement possible
MOGO car financing in Kenya for vehicles of any age, make or model. Down payment from 20%, loans up to KES 2.5 million.
- Kenyan citizen or resident
- Age 21+
- Valid driving licence
- Rate
- 24.0–108.0%
- Amount
- KSh250–KSh70k
- Timing
- Minutes
Licensed microfinance bank offering instant mobile loans from KES 500 up to KES 500,000. Interest rates from 2% to 18% depending on tenure (62 days to 1 year). Also offers 15% p.a. savings account.
- Kenyan M-PESA user
- Age 18+
- Smartphone with Branch app
- Rate
- 14.0–18.0%
- Amount
- KSh500k
- Timing
- 3-5 business days
I&M Bank Kenya offers car loans financing up to 80% of vehicle cost at 14-18% p.a.
- Kenyan resident
- Aged 18+
- Proof of income
- Rate
- 18.0–22.0%
- Amount
- KSh5k–KSh2M
- Timing
- 1-3 business days
Kenya Women Microfinance Bank (KWFT) offers personal and salary loans targeting women entrepreneurs and salaried employees. One of Kenya's largest microfinance institutions with nationwide branches.
- Kenyan resident
- KWFT account
- Regular income
- Rate
- 13.0–17.0%
- Amount
- KSh500k
- Timing
- 3-5 business days
Diamond Trust Bank Kenya provides car financing for passenger and commercial vehicles with competitive terms.
- Kenyan resident
- Aged 18+
- Regular income
- Rate
- 14.0–18.0%
- Amount
- KSh50k–KSh3M
- Timing
- 2-5 business days
National Bank of Kenya (KCB Group subsidiary) offers unsecured personal loans for salaried employees. Competitive rates with flexible repayment terms.
- Kenyan resident
- NBK account
- Regular salary
- Rate
- 14.0–17.0%
- Amount
- KSh10k–KSh5M
- Timing
- 1-3 business days
Personal loan from Kenya's bank with the largest customer base. Equity recently reduced its base rate to 8.75% following CBK rate cuts in February 2026. Offers both secured and unsecured options.
- Kenyan resident
- Equity account
- Regular salary
- Rate
- 14.0–17.0%
- Amount
- KSh50k–KSh3M
- Timing
- 2-5 business days
Diamond Trust Bank personal loan with competitive mid-range pricing at ~14.56%. DTB has a strong presence in East Africa. Offers both secured and unsecured personal loan options.
- Kenyan resident
- DTB account
- Regular salary
- Rate
- 15.0–18.0%
- Amount
- KSh10k–KSh3M
- Timing
- 2-5 business days
Personal loan from Family Bank, popular among SMEs and middle-income earners. Rate at ~16% which is above average, but strong presence in semi-urban and rural Kenya.
- Kenyan resident
- Family Bank account
- Regular salary
- Rate
- —
- Amount
- KSh500–KSh30k
- Timing
- Minutes
Zenka is a mobile loan app in Kenya offering quick loans up to KES 200,000 with instant M-PESA disbursement. CBK-licensed digital lender. Available on Android and iOS.
- Kenyan M-PESA user
- Smartphone with Zenka app
- Rate
- 90.0%
- Amount
- KSh100–KSh50k
- Timing
- Instant
M-Shwari is a mobile banking service by Safaricom and NCBA, accessible via M-PESA. Offers instant micro-loans based on savings and M-PESA usage history. Interest rate of 7.5% per 30 days.
- Kenyan M-PESA user
- Active M-Shwari savings
- Rate
- 15.0–18.0%
- Amount
- KSh10k–KSh5M
- Timing
- 2-5 business days
Unsecured personal loan from Kenya's largest bank by assets. Salary-based lending with check-off facility for employed borrowers. Wide branch network across Kenya.
- Kenyan resident
- KCB account
- Regular salary
- Rate
- 11.0–15.0%
- Amount
- KSh20k–KSh3M
- Timing
- 2-5 business days
Personal loan from pan-African bank Ecobank at a competitive ~12.77% average rate. Offers rates as low as 11.06% for 1-5 year loans. Some of the lowest overdraft rates in the market.
- Kenyan resident
- Ecobank account
- Regular salary