List of Top 10 Best Mobile Loan Apps in Kenya

List of Top 10 Best Mobile Loan Apps in Kenya 2024


Below is a comprehensive list of top 10 best mobile loan apps in Kenya today:

1. M-Shwari

Developed by Safaricom in partnership with the Commercial Bank of Africa, M-Shwari is one of the most popular mobile loan apps in Kenya. Also, it offers instant loans, savings, and financial planning tools, making it an all-in-one financial platform for Kenyan users.

2. Branch

Branch is another well-known mobile lending app that provides instant loans without the need for collateral. Most importantly, it’s user-friendly, offers competitive interest rates, and has a transparent loan repayment system.

3. Tala (formerly known as Mkopo Rahisi)

Tala is one of the pioneers in mobile lending in Kenya. It uses data analytics to determine your creditworthiness, enabling it to provide quick loans to users. Over time, responsible borrowing with Tala can even increase your loan limit.

4. KCB M-Pesa

This app is a collaboration between Kenya Commercial Bank (KCB) and Safaricom. KCB M-Pesa offers loans, savings, and the convenience of transferring money between your M-Pesa and KCB accounts seamlessly.

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5. Zenka

Zenka is a relatively new entrant to the Kenyan mobile lending scene but has quickly gained popularity due to its flexible repayment terms, competitive interest rates, and speedy loan disbursement.

6. Okash

Okash is known for its straightforward loan application process and fast approval. It offers short-term loans to Kenyan borrowers and has a user-friendly mobile app for easy access.

7. Saida

Saida is more than just a loan app; it also provides financial education and budgeting tips to help users manage their finances effectively. It offers loans based on your financial habits and transactions.

8. Berry Loan

Berry Loan is a reliable choice for quick cash loans with a user-friendly interface. It offers competitive interest rates and a range of loan options to suit various financial needs.

9. Haraka Loan

As the name suggests, Haraka Loan delivers speedy loans to users in Kenya. It’s known for its simplicity and efficiency, making it an excellent choice for urgent financial requirements.

10. Stawika

Stawika is a mobile loan app that provides loans without collateral. It offers customized loan products based on your financial history and habits, making borrowing easier and more convenient.


Mobile loan apps have revolutionized the way Kenyans access credit, making it quicker and more accessible than ever before. When choosing a mobile loan app, consider factors such as interest rates, loan limits, repayment terms, and customer service. Each of the top 10 mobile loan apps listed above has its unique features and benefits, so be sure to evaluate them based on your specific financial needs and preferences. Always borrow responsibly and within your means to maintain healthy financial habits and creditworthiness.

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