Loan lenders in Kenya

This hub explains how to compare lenders in Kenya with practical, non-hype criteria: total repayment cost, fees, term fit, and data safety.

Author: Rostislav Sikora Last updated: 24 August 2026

Apply now Methodology

What we compare

Total cost: interest + fees + penalties (where applicable).
Eligibility fit: amount, term, and your affordability profile.
Transparency: clear pricing and clear contract terms.
Data safety: privacy policy clarity and responsible handling of personal data.

Official references: CBK and ODPC.

Featured lenders

Lender	Amount	Term	Apply
LendPlus	Ksh 1,000–Ksh 150,000	Varies	Apply
Tala	Ksh 1,000–Ksh 70,000	Varies	Apply
Branch	Ksh 250–Ksh 70,000	Varies	Apply
M-Shwari	Ksh 100–Ksh 50,000	Varies	Apply
KCB M-Pesa	Ksh 50–Ksh 250,000	1-6 months	Apply
Fuliza	Ksh 100–Ksh 70,000	Varies	Apply

FAQ

How does Credizen rank lenders in Kenya?

We rank options using structured criteria (cost transparency, eligibility fit, term/amount match, user experience signals) and disclose affiliate relationships. See our methodology for details.

Do I have to apply through Credizen?

No. Credizen helps you compare and understand options. You always choose whether to proceed with a lender.

What should I verify before applying?

Verify total repayment cost, fees, repayment schedule, late penalties, privacy policy, and data handling. If unsure, borrow a smaller amount or consider alternatives.

Responsible borrowing

Borrow only what you can repay. If you struggle with repayment, avoid rolling loans or borrowing to repay borrowing.