Loan comparison · Kenya
Evidence-led comparison of two leading local candidates. Affiliate commission does not influence the ranking. 2026-07-v1.
Evidence reviewed:
| Criterion | Hustler Fund | M-Shwari |
|---|---|---|
| Loan amount | Ksh 500 – Ksh 50,000 | Ksh 1,000 |
| APR / total cost | 8% / year | 7.5% of loan amount, once |
| Repayment term | 14 days | 30 days |
| Funding time | Not published in the verified official source | Not published in the verified official source |
| Evidence score | 67/100 | 37/100 |
Financial Inclusion Fund / KCB Bank Kenya Limited
Eligibility, approval and final terms are decided only by the provider after its checks. Verify the current pre-contract disclosure before applying.
Provider details: Hustler Fund →COMMERCIAL BANK OF AFRICA (NCBA)
Eligibility, approval and final terms are decided only by the provider after its checks. Verify the current pre-contract disclosure before applying.
Provider details: M-Shwari →The evidence score weights verified cost 30%, transparency 20%, availability and conditions 15%, repayment flexibility 15%, consumer protection 10%, and speed 10%. Affiliate revenue has 0% weight. Unknown product facts score zero and remain unpublished.
Local regulatory context: CBK, ODPC. Inclusion in this comparison does not replace checking the provider’s current authorisation and product disclosure.
Check total repayment, every fee, late-payment consequences, data use, complaint channels and whether the payment remains affordable after essential expenses.
Consider borrowing less, delaying the expense, a payment plan, savings, regulated community support or a lower-cost bank or credit-union product.
Reviewed by Rostislav Sikora. Editorial comparison only; Credizen does not approve loans or guarantee availability, pricing or acceptance.
No. The ranking measures published evidence, not personal suitability. Your actual offer and affordability can change the outcome.
No. A number is shown only when supported by a verified official product source.