The Top 8 money lending platforms and apps in Kenya in 2022

Mobile lending apps and sites are truly growing, thus giving banks and  giving SACCOs stiff competition.

 Borrowing money from mobile lending platforms has been made straightforward.

You only download the apps, go to their websites or send an SMS to fill out application forms with your details, get approval, and voila, you get your credit on your phone.

All this is done at the comfort of your couch as opposed to long queues,   filling out numerous forms, and even demanding collateral and guarantors.

All those requirements are challenging to be met, and it takes hours before your loan is processed.

Sometimes the need is urgent, and delays can cause harm. Here is a list of the eight best money lending apps and platforms to apply for loans.


You will instantly fall in love with the money lending app when you begin using it; Zenka has incredible loan offers with growing loan limits when you repay on time. 

You can get the zenka app on your android phone in the google play store,  download and install it.

You receive your loan after 5 minutes, and this is only after filling out the application form and having qualified.

You can also apply for a loan with zenka using their shortcode *841# after sending your mpesa statements of the past six months to them.

2.Mshwari by Safaricom 

It’s the most widely used mobile loan service in Kenya because most of its users are Safaricom subscribers.

We all know Safaricom is the leading telecommunication service provider in Kenya; not only is it a lending app, but it also offers its customers an opportunity to save their money.

When saved, customers earn an interest of 6.65%interest per year.

You get to access a loan of 100  minimum. Your limit grows based on your credit repayment history.

3.KCB Mpesa 

A money lending service that has collaborated with Safaricom, although it’s owned by Kenya commercial bank.

KCB mpesa can only be accessed through the mpesa menu on your phone, and that’s why a registered Safaricom line is recommended.

KCB  Mpesa also allows you to save, thus automatically making you eligible to borrow more 


This is an app that is easily found on the google play store you download, install and register.

This is a money lending app that offers personal and business loans that can amount to 60000.

They determine your credit score regarding the personal details you have given and your credit score and the period within which you have to pay.

The only downside with this app is the 14%  interest you have to pay when repaying your interest.

The credit comes instantly, so it will solve your cash needs. 



This is truly the most accessible money lending app to have; all you have to do is download it from the google play store.

Register with your personal information, this information is always verified, and you get your loan after a few minutes.

The process is swift. In repaying your credit, your loan installments come from the Mpesa account automatically no stress about paybill numbers, and this is only when your repayment is due.


The growing money lending app in Kenya and even outside the country has existed for the longest time. This app gives you a loan of even 70000  on your mobile phone.

It is easy to access branch loans; all you have to do is download the app from the google play store register by giving out your details, and your loan is approved in less than 24 hours and with no hidden fees.

This lender does not charge a fee when you are late in repaying, and that’s why it has many users.


The app is easily found on the google play store. After downloading it, you can sign up and start accessing their quick mobile loans.

You must give your details for your account to get verified; this is like your digital credit history.

With your Tala app, you can check out your credit performance or status. In terms of repayments, you can make partial payments like weekly or pay at once.

8Fuliza by Safaricom

It is a money lending service by Safaricom. With fuliza, your limits grow faster depending on settling your loan and transactions.

You can easily apply for your fuliza loan by dialing *234# to register, and you can get to use cash from your mpesa without making a deposit.

Repaying a fuliza loan is simply by making a deposit cash in your mpesa account or, if someone sends money to your phone, the loan is settled, and you can apply for a new one.


Microsoft Opens a Ksh3B Africa Development Centre Facility in Nairobi, Kenya


Those mobile lending platforms are excellent, but you should carefully review them yourself to avoid encountering scammers.

Some apps or platforms are not genuine the can be used to obtain essential and private information from you.

Only take a loan when you need for it.

Defaulting loans can destroy your credit score.