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Top 5 Mobile Lending Apps in Kenya

Are you looking for a fast loan today? Mobile loans apps are the ultimate solution for you. Initially, this was not the case, as one had to visit the bank to get a loan. Sometimes, the process of getting a loan would take weeks if not days. However, the scenario now is very different. As we speak, you can get an instant loan without undergoing the typical bureaucratic process of getting a loan. In most instances, you will not need to have a collateral or a guarantor to get the loan. Apart from this, the registration process is straightforward. This convenience has made mobile app loans apps to be very popular in Kenya. The following are the top 5 best loan apps you should consider today:

1. Berry

Also described as a unique mobile money lending app, this app usually offers low-cost mobile loans which are instant and have flexible payment schedules. All you need to do is to download it from the Google Play Store and then register on Berry.

Once your identity is verified, you can be able to access a loan. In most cases, the first loan will not be more than Ksh.500. However, this loan limit is bound to rise over time up to 50,000.

2. Tala

This is another popular mobile money lending app that has been appreciated by most people. To get a mobile loan using the Tala app, you just need to visit Google Play Store and then download the app.

Thereafter, you can sign up and start accessing mobile loans instantly. However, it is vital that you provide the right details for verification purposes. It is worth noting that Tala usually provides personalized loans depending on your digital credit history.

3. Mshwari by Safaricom

If you are a subscriber of Safaricom service provider, chances are that you have heard about Mshwari. This is actually one of the most widely used mobile loan services in Kenya. Apart from issuing loans, this platform allows you to save so that you can borrow later.

If you save through Mshwari, you can be sure that you will earn a 6.65% interest per annum. One can readily access a loan from a minimum of Ksh. 100. If you have a good credit history, you can be sure that you will get a higher loan limit in the long run.

4. Branch

This mobile money landing app is one of the most established apps both in Kenya and across its borders. With this app, you can readily access a loan up to Ksh 70,000. All you need to do is to download this app on Google Play Store and then register.

The steps involved in the registration process here are very simple. The good news is that loans are usually approved in less than 24 hours. Apart from this, the app does not charge hidden fees.

5. Timiza

When it comes to mobile money loan apps, banks have not been left behind. This app is actually a product of Barclay Bank. It allows users to do all sorts of banking from their mobile phones. Here, you can trust that you will get loans, perform fund transfers and purchase insurance, and many more.


Mobile money apps have transformed the way people access loans now. All you need to have is a smartphone and a good internet connection. All you need to do is to download the apps from the Google Play store and then install them on your phone. Apart from Mshwari, which is a product of Safaricom, the rest can be found on Google Play Store. Download any of these apps, and you will be able to access instant loans today.