Kashbean Loan Application Process and Full Review

How to get an instant loan from the Kashbean lender. You will also learn about the different packages they offer, interest fees etc.

Carson O.
5 Min Read

Kashbean is among the most popular mobile-based lending organizations in Kenya. The application is found in both Android and iOS application stores for your convenience. In Google alone, the application has over 1M downloads, making it hard for other lenders who are targeting the same clients.

This application is only 20mb and does not have any ads, thus having a good user experience. All you need to access this loan is your smartphone and an M-Pesa Phone number that you will use to receive the money you will borrow. Further, if you are worried about your CRB status, then the Kashbean loan app is your perfect choice.

This article will take you through how to get an instant loan from the Kashbean lender. You will also learn about the different packages they offer, interest fees and what users across Kenya are saying about the application.

Let’s dive in:

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The application was first released on 26th April 2021 and has been receiving regular updates ever since. Since then, the Creditarea Capital LTD Company has boasted over 1,000,000 downloads in the Google playstore alone.

The application is compatible with any Android phone with an operating system above Android 5.0. it is also rated for 3+, meaning that it has been scanned and validated to be free from any form of obscene content.

Below is an organized table with all the important information you ought to know;

Access ApplicationGoogle Playstore
Playstore Rating4.3/5.0
Download Size20 MB
Required OSAndroid 5.0 upwards
Email[email protected]
Offered ByCreditarea Capital LTD
USSD CodeNone
Service fee0%
Loan limit (KES)1,500 – 80,000
Annual Percentage Rate (APR)36%
Repayment window91-365 days
Additional chargesDefaulters’ penalty
Age Limit18 years
Minimum RequirementsKenyan ID
Repayment MethodWithin the app

How to apply for a Kashbean loan on your phone

  1. Download and install the Kashbean Mobile loan app from the Google Playstore.
  2. Notice of terms, conditions and privacy policies will appear on your screen. Click Agree and continue.
  3. The Kashbean app will need to access a few permissions from the ones listed above. Allow all and proceed.
  4. Enter your phone number and request a verification code that you will receive through SMS. Proceed to the next window.
  5. You will then be directed to the main dashboard. Click on ‘Apply Now’.
  6. Set your login password. Make sure your password is vital, to evade malicious account access. Include your invitation code if you have one.
  7. Fill in your registration, personal and contact details accurately. This information will be used to determine your approval. Click Submit
  8. Apply for your loan depending on the loan limit you have received.
  9. Your loan will be deposited INSTANTLY upon approval.

What do people say about the Kashbean mobile-based lender?

Positive reviews

5/5 User Rating – “Kashbean is a good loan app and reliable compared to other loan apps on the phone it is easy to use not many questions are asked when applying. I love Kashbean app and I will cooperate with them well pay my loan on time without delay so that I may increase my loan limit next when I apply again”

5/5 User Rating – “The only app that can assist you in times of emergency. I received my loan in less than 5 minutes. I recommend this app to anyone with a 5-star rating.”

Negative reviews

1/5 User Rating – “After getting all your details and snapping a selfie of your face, you return to the app to find your loan has been rejected. Total frauds these!! I have no problem being denied a loan. I have a problem with a deceitful process/system that acts as a clickbait only to have my data!!!”


If you are still looking for a better mobile-based lender, here is a list of loan apps in Kenya that do not require a CRB check.

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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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