Compare Loans Kenya 2026
Side-by-side comparison of 6 CBK-regulated lenders. Sort by APR, amount, and M-Pesa availability.
| Lender | Rating | Amount | APR | Disbursement | |
|---|---|---|---|---|---|
 KCB M-Pesa bank | ★ 2.2 | Ksh 50 – Ksh 250,000 | 9% – 14% | 30 min | Details → |
 Tala direct lender | ★ 2.2 | Ksh 1,000 – Ksh 70,000 | 14% – 22% | 15 min | Details → |
 Branch direct lender | ★ 2.1 | Ksh 250 – Ksh 70,000 | 12% – 20% | 2 min | Details → |
 M-Shwari bank | ★ 2.1 | Ksh 100 – Ksh 50,000 | 7.5% – 7.5% | 5 min | Details → |
 LendPlus direct lender | ★ 2.0 | Ksh 1,000 – Ksh 150,000 | 0.9% – 2.2% | 1 hour | Details → |
 Fuliza bank | ★ 2.0 | Ksh 100 – Ksh 70,000 | 1.083% – 1.083% | 1 min | Details → |
How to Use This Comparison
1. Check APR
APR is the true cost indicator — it includes all fees and charges.
2. Verify CBK regulation
Only borrow from CBK-regulated lenders for consumer protection.
3. M-Pesa disbursement
Most lenders offer instant M-Pesa disbursement — fastest option.
4. Borrow wisely
Only borrow what you can comfortably repay to avoid debt cycles.
FAQ
How do I compare loans in Kenya? ▼
Compare the APR (Annual Percentage Rate), which includes all costs. Use our table to sort by APR, loan amount, and disbursement speed.
Are all lenders CBK-regulated? ▼
Yes, all lenders in our comparison are regulated by the Central Bank of Kenya (CBK) or licensed by the Capital Markets Authority.
Can I receive funds via M-Pesa? ▼
Most digital lenders in Kenya disburse funds directly to M-Pesa. Check individual lender pages for M-Pesa availability.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
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