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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: 17 February 2026

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.

Credizen

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⚠️ You must be 18+ to apply for a loan • Borrow responsibly

Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

  • South Africa: National Credit Regulator - 0860 627 627
  • Romania: ANPC - 0213142200
  • Colombia: Superintendencia Financiera - (571) 594 2222
  • Poland: KNF - 22 262 5000
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