Access to credit has become easier than ever in Kenya thanks to loan apps that provide unsecured loans (without collateral). Many of these loan apps are owned by banks licensed by the Central Bank of Kenya (CBK), while others are reputable fintechs that partner with banks or operate legally under microfinance institutions.
These apps allow borrowers to apply for loans directly on their mobile phones and repay within 30 days or more. They are ideal for salaried individuals, small business owners, and anyone in need of quick cash.
Below are the top 30-day loan apps without collateral in Kenya:
1. KCB M-Pesa – Safaricom & KCB Bank
- Provider: KCB Bank in partnership with Safaricom (M-Pesa).
- Loan Limits: Ksh 50 – Ksh 1,000,000.
- Interest Rate: 7.5% per month.
- Repayment Period: 30 days.
- How to Access: Via M-Pesa menu > Loans & Savings > KCB M-Pesa.
- Highlight: One of the most trusted and widely used loan services in Kenya.
2. M-Shwari – Safaricom & NCBA Bank
- Provider: NCBA Bank & Safaricom.
- Loan Limits: From Ksh 100 up to Ksh 50,000.
- Interest Rate: 7.5% per month + a 7.5% facilitation fee.
- Repayment Period: 30 days.
- How to Access: M-Pesa menu > Loans & Savings > M-Shwari.
- Highlight: Instant loan disbursement to M-Pesa.
3. Pesa Pap – Family Bank
- Provider: Family Bank.
- Loan Limits: Ksh 500 – Ksh 50,000.
- Interest Rate: Approx. 7.5% monthly.
- Repayment Period: 30 days.
- How to Access: Download the Pesa Pap app from Google Playstore.
- Highlight: Also offers salary advances and bill payments.
4. Tala Loan App
- Provider: Tala (Fintech).
- Loan Limits: Ksh 500 – Ksh 50,000.
- Interest Rate: 7% – 15% depending on loan amount.
- Repayment Period: 30 days or flexible installments.
- How to Access: Download Tala app on Playstore.
- Highlight: One of the first mobile loan apps in Kenya, very popular.
5. Branch Loan App
- Provider: Branch International.
- Loan Limits: Ksh 250 – Ksh 300,000.
- Interest Rate: 2% – 18% per month.
- Repayment Period: 30 days – 6 months.
- How to Access: Download Branch app on Playstore.
- Highlight: No hidden fees, very transparent.
6. Zenka Loan App
- Provider: Zenka Finance.
- Loan Limits: Ksh 500 – Ksh 50,000.
- Interest Rate: 9% – 39% per month.
- Repayment Period: 30 days.
- How to Access: Download Zenka app on Playstore.
- Highlight: First loan is usually interest-free for new users.
7. Timiza – Absa Bank
- Provider: Absa Bank Kenya.
- Loan Limits: Ksh 1,000 – Ksh 150,000.
- Interest Rate: 6.17% + 5% facilitation fee.
- Repayment Period: 30 days.
- How to Access: Download Timiza app on Playstore.
- Highlight: Banking services + loans in one app.
8. MCo-op Cash – Cooperative Bank
- Provider: Co-operative Bank of Kenya.
- Loan Limits: From Ksh 500 – Ksh 200,000.
- Interest Rate: 8% per month.
- Repayment Period: 30 days.
- How to Access: Download MCo-op Cash app.
- Highlight: Ideal for Co-op Bank customers and salary advances.
9. SC Juza – Standard Chartered Bank
- Provider: Standard Chartered Bank Kenya.
- Loan Limits: From Ksh 1,000 – Ksh 100,000.
- Interest Rate: 7.5% monthly.
- Repayment Period: 30 days.
- How to Access: Download SC Mobile App.
- Highlight: Flexible repayment from a reputable international bank.
10. KopaSmart – Kingdom Bank
- Provider: Kingdom Bank.
- Loan Limits: Ksh 500 – Ksh 50,000.
- Interest Rate: About 7.5% monthly.
- Repayment Period: 30 days.
- How to Access: Download Kopasmart app.
- Highlight: Specifically designed for small business owners.
11. Choice Sasa – Choice Microfinance Bank
- Provider: Choice Microfinance Bank.
- Loan Limits: Ksh 500 – Ksh 150,000.
- Interest Rate: 36% – 103% APR per year.
- Repayment Period: 30 – 180 days.
- How to Access: Download Choice Sasa app.
- Highlight: Offers loans within minutes after application.
Why Choose 30-Day Loan Apps in Kenya?
- No collateral required – Loans are unsecured.
- Convenience – Apply anytime, anywhere via your phone.
- Quick disbursement – Loans processed in minutes.
- Bank-backed apps – Extra security for borrowers.
- Flexible repayment – Option to repay early and build a higher limit.
FAQs on 30 Days Loan Apps in Kenya
1. Do I need security or guarantors to borrow?
No. These apps provide unsecured loans without collateral or guarantors.
2. What happens if I don’t repay on time?
You may be charged late fees, your loan limit will be reduced, and your name may be listed on the CRB (Credit Reference Bureau).
3. Can I increase my loan limit?
Yes. Timely repayment and consistent usage of the app will gradually increase your limit.
4. Are these apps safe?
Yes. Most are owned by banks licensed by the Central Bank of Kenya or approved digital lenders.
5. How fast are the loans disbursed?
Most loans are disbursed instantly or within minutes once approved.
Conclusion
- If you need quick loans without collateral in Kenya, these 30-day loan apps are reliable and fast. For safety, always borrow from apps affiliated with registered banks or CBK-approved lenders, and ensure you repay on time to maintain a good credit score.