Get a Loan Instantly and Easily without CRB: 5 Best Apps in Kenya

Carson O.
5 Min Read

Struggling to get a loan in Kenya due to low credit ratings? Don’t worry, there are still loan apps that can help you get the money you need – fast and with no CRB check! Check out our list of the top apps that offer fast approval times, low-interest rates, and hassle-free transactions.


The Branch App is the best choice for instant credit loans in Kenya, featuring fast approval times and no CRB checks. With Branch, you can access up to KES 70,000 in as little as five minutes with low-interest rates and flexible repayment plans. They also boast an easy-to-use platform that makes loan applications straightforward.

The Branch finance company boasts to be better than your bank and a world leader. Special users who meet certain criteria get to enjoy a limit of up to KES 300,000.


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If you doubt this, check out their documentation here.

KCB M-Pesa Loan

The KCB M-Pesa Loan is an instant loan that won’t check your CRB score. This digital platform offers same-day disbursement in less than 5 minutes, with up to KES 1 million available. It has a service fee of 2.5%, dependent on the duration and amount of the loan. Repayment terms range from 3 months to 12 months and can be done using cash or mobile money payment options.

Since company policies are subject to adjustment, you must keep yourself updated with the latest information from their official website.

Nevertheless, the KCB M-Pesa loan has proved to be a giant in the lending industry. This loan has an interest fee of 8.79% and a payment period of up to twelve months.

To apply for the loan, follow the guidelines below:

  1. Go to your M-PESA menu
  2. Select loans & savings
  3. Select KCB M-PESA
  4. Select loans
  5. Request loan
  6. Enter the amount you wish to borrow
  7. Enter M-PESA PIN & submit.


The Tala Loan App is one of the best in Kenya for offering instant loans without a CRB check. It offers up to KES 50,000 with competitive interest rates and flexible repayment plans. Once you are approved, the loan can be disbursed as soon as 15 minutes. It also has 24/7 customer support to ensure a great user experience.

This platform boasts over 10 million downloads in the Google Playstore alone. The numbers clearly show that the loaning company is a darling of many.

What are the Tala perks?

  • No data shared with third parties
  • Your data is encrypted in transit.
  • You can request your data be deleted.
  • Borrow up to KES 50,000.


The Okash Loan App offers one of the fastest loans without a CRB in Kenya. It offers a quick and easy online application process with low-interest rates and interests. Furthermore, customers can get their loan instantly within 15 minutes of approval, which makes it an ideal option for those who need cash without any hassle. With Okash, customers can receive up to KES 200,000 in loans with flexible repayment terms to suit any budget.

Stawika Loan App

With over 50,000 Google Playstore downloads, the Stawika loan app is rising to be among the most reliable finance apps in the Kenyan market. This mobile-based lender offers as little as KES 500 and a maximum of KES 70,000 and charges a monthly interest rate of 7% to 21%. Despite the competitive rates, the app does not charge any processing fee so there is nothing to worry about as you download this app from your mobile app store.

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After getting the loan, you will have between 61 to 90 days to repay. You risk getting a defaulter’s interest penalty if you delay on your payment.

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I am a multi-faceted professional with a strong foundation in Business and Finance, honed since 2020. Additionally, I possess a deep passion for automobiles, serving as an avid car enthusiast. In parallel to my diverse interests, I am also a dedicated student pursuing a career in the medical field.
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