No Collateral Needed
Personal Loans
up to KSH 5,000
Quick cash when you need it. No items required. Express approval in 30 minutes or apply for free with standard processing.
Choose Your Plan
Two ways to apply — pick what suits you best
Popular
Express
Get approved in just 30 minutes with instant credit scoring.
KSH 90
processing fee
- 30-minute approval
- Automated credit scoring
- Instant M-Pesa disbursement
- Pay via M-Pesa STK Push
- Email notification on approval
Standard
Free application. We'll review manually and get back to you.
FREE
no fee
- No processing fee
- Manual expert review
- 2-5 business days
- Email notification
- Good for first-time borrowers
Requirements
- Kenyan National ID Number
- Valid phone number (M-Pesa registered)
- Must be 18 years or older
- Active Google account for sign-in
- Next of kin details
Qualifications
- Enrolled in a recognized Kenyan institution
- No outstanding defaulted loans with us
- Credit score of 30+ (for express)
- Consistent repayment history preferred
- Valid employment or sponsor details
Loan Calculator
See exactly what you'll pay before you apply
KSH 2,500
KSH 500
KSH 5,000
Principal
KSH 2,500
Interest
KSH 500
Total
KSH 3,000
Monthly
KSH 1,500