Top 10 Best Loan App in Kenya without CRB Check (2024)

In today’s fast-paced Kenyan economy, unexpected expenses can arise. Thankfully, mobile loan apps in Kenya without CRB check provide a convenient and accessible solution. But with numerous options, choosing the right one is crucial. This guide explores the top 10 loan apps in Kenya without a CRB check (2024), highlighting key features, pros, and cons to empower your decision-making.

Important Things to Consider

While these apps offer more lenient CRB checks, responsible borrowing remains critical. Before choosing, consider these factors:

• Interest Rates: Different apps have varying interest rates. Compare offers carefully to avoid excessive charges.
• Repayment Terms: Be mindful of the repayment period. Choose terms that suit your financial timeline to avoid penalties.
• Loan Limits: Understand the app’s borrowing limits. These usually increase as you build a good repayment history.
• Additional Fees: Watch for hidden fees or penalties. Transparent lenders clearly outline all charges upfront.

Top 10 Best Loan Apps in Kenya Without CRB Check (2024)

1. Tala

Tala is a highly popular lending app in Kenya. It offers a streamlined process and is a solid choice if looking for a loan app in Kenya that doesn’t rely heavily on CRB checks.

• Pros: Easy application, quick approvals, flexible loan amounts
• Cons: Relatively high interest rates for some borrowers

2. Kashway

Kashway offers convenient loans with a straightforward application process. It’s a good option if you’re looking for loan apps without CRB and registration fees in Kenya.

• Pros: User-friendly app, competitive interest rates
• Cons: Stricter eligibility for larger loan amounts

3. Lendplus

Lendplus prioritizes quick and simple loan approvals. If you have past CRB issues and need an app that gives loans even when in CRB, Lendplus is worth a look.

• Pros: Accessible even without a smartphone, fast approvals
• Cons: Potentially limited loan amounts

4. Zenka

Zenka is known for its quick loan disbursements and minimal documentation requirements. It’s a reliable option if you’re searching for mobile loan apps that don’t heavily check CRB status.

• Pros: Simple application process, no collateral required
• Cons: Interest rates might be higher for first-time borrowers

5. Mpesa

Mpesa, widely used for mobile money transactions, also includes lending options like Fuliza overdrafts. These can be great for instant loans with less strict CRB checks.

• Pros: Widely accessible, integrated with Mpesa service
• Cons: Primarily for short-term, smaller loans

6. Okash

Okash offers quick loans with convenient application processes. It’s a suitable choice if you need a loan without CRB and registration fees.

• Pros: Fast approvals, easy eligibility criteria
• Cons: Potential for high interest rates

7. iPesa

iPesa focuses on delivering fast loan decisions. It’s a contender for loan apps without registration fees and CRB checks.

• Pros: Rapid approvals, minimal documentation required
• Cons: Limited loan amounts

8. Berry

Berry aims to provide quick and user-friendly loans. It’s a convenient option if you need online loans without CRB checks

• Pros: User-friendly app, fast turnaround times
• Cons: Interest rates can vary

9. Zash

Zash offers loans with a focus on quick access and flexible repayment terms. Look into Zash for one of the best no-CRB check loans apps.

• Pros: Simple application, customizable repayment schedule
• Cons: Slightly longer approval times in some cases

10. Shika

Shika offers loan options with varying terms. If you have faced CRB issues and need an app that gives loans without strict CRB checks, check out Shika.

• Pros: Range of loan products, good customer service
• Cons: Interest rates depend on the specific loan type