Accessing quick and reliable loans in Kenya has never been easier. In 2025, mobile loan apps provide Kenyans with instant, collateral-free loans directly to their M-Pesa accounts, perfect for emergencies, school fees, business capital, or daily expenses. These apps are licensed by the Central Bank of Kenya (CBK), ensuring safety, speed, and convenience.

Below is a detailed list of the top 10 loan apps in Kenya for 2025, including loan limits, interest rates, repayment periods, and key features.

1. Tala

• Loan Amount: KSh 500 – KSh 50,000

• Interest Rate: From 0.3% per day

• Repayment Period: Up to 120 days

• Key Features: No collateral, fast M-Pesa disbursement, easy credit scoring

• Ideal For: First-time borrowers and repeat users

• Download: Tala on Google Play

2. Zenka

• Loan Amount: KSh 500 – KSh 30,000

• Interest Rate: Varies depending on loan term

• Repayment Period: Up to 30 days

• Key Features: Quick approval, no paperwork, M-Pesa disbursement

• Ideal For: Short-term emergency loans

• Download: Zenka on Google Play

3. Koro

• Loan Amount: KSh 500 – KSh 200,000

• Interest Rate: 2.45% – 39%

• Repayment Period: 61 days

• Key Features: Flexible loan terms, instant M-Pesa disbursement

• Ideal For: Users needing larger loan amounts

• Download: Koro on Google Play

4. LendPlus

• Loan Amount: KSh 500 – KSh 100,000

• Interest Rate: Competitive rates

• Repayment Period: Flexible terms

• Key Features: No paperwork, fast M-Pesa disbursement

• Ideal For: Quick, hassle-free loans

• Learn More: LendPlus Website

5. Chapeo Cash

• Loan Amount: Up to KSh 100,000

• Interest Rate: Varies

• Repayment Period: Flexible terms

• Key Features: Quick approval, M-Pesa disbursement

• Ideal For: Larger emergency loans

• Download: Chapeo Cash on App Store

6. FairKash+

• Loan Amount: Varies

• Interest Rate: Competitive rates

• Repayment Period: Flexible terms

• Key Features: Fast approval, M-Pesa disbursement

• Ideal For: Quick and convenient loans

• Download: FairKash+ on Google Play

7. M-Pesa Loans (Fuliza & M-Shwari)

• Loan Amount: Fuliza: Up to KSh 70,000; M-Shwari: Up to KSh 250,000

• Interest Rate: Fuliza: Daily fees; M-Shwari: 7.5% – 9% per month

• Repayment Period: Fuliza: Daily; M-Shwari: 30 days

• Key Features: Integrated with M-Pesa, no paperwork

• Ideal For: M-Pesa users needing quick loans

• Access: Dial *234# for Fuliza/M-Shwari

8. Hustler Fund

• Loan Amount: Varies

• Interest Rate: Low rates

• Repayment Period: Flexible terms

• Key Features: Government-backed, affordable loans

• Ideal For: Kenyan citizens seeking low-interest loans

• Learn More: Hustler Fund Website

9. Zash Loan

• Loan Amount: Varies

• Interest Rate: Competitive

• Repayment Period: Flexible

• Key Features: Quick approval, M-Pesa disbursement

• Ideal For: Quick and reliable loans

• Download: Zash Loan on Google Play

10. M-Kopa

• Loan Amount: Varies

• Interest Rate: Low rates

• Repayment Period: Flexible terms

• Key Features: Pay-as-you-go loans, affordable devices

• Ideal For: Users seeking devices and loans together

• Learn More: M-Kopa Website

Comparison Table

Tips for Choosing the Best Loan App

1. Compare interest rates to find affordable options.

2. Check repayment terms that suit your finances.

3. Ensure the app offers the loan amount you need.

4. Consider approval speed for urgent needs.

5. Read user reviews for reliability and service quality.

Conclusion

These top 10 loan apps in Kenya for 2025 provide convenient, fast, and reliable ways to access emergency funds, school fees, or business capital. Always read the terms carefully, compare rates, and choose the app that best fits your financial needs.