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Looking for the most popular and trusted loan apps in Kenya? In this guide, we reveal the top 15 most downloaded loan apps in Kenya as of July 2025, based on verified data from Google Play Store. These apps have millions of users and offer fast, convenient mobile loans with flexible repayment terms.

Whether you’re a student, small business owner, or salaried worker, there’s a loan app for you in this list. Let’s dive in!

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📱 1. Branch Loan App Kenya – 50 Million+ Downloads

Branch tops the chart with over 50 million downloads, making it the most used loan app in Kenya in 2025.

• ✅ Loan Limits: KES 1,000 – KES 300,000
• 💰 Interest Rate: From 2% per month
• ⚡ Why Users Love It: Quick approvals, high limits, and a clean user interface

Branch is ideal for users looking for large, affordable loans without paperwork.

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📱 2. Tala Loan App Kenya – 10 Million+ Downloads

Tala is the second most downloaded app with 10+ million downloads, praised for fast disbursement and reliable service.

• ✅ Loan Limits: KES 1,000 – KES 50,000
• 💰 Interest Rate: From 0.3% per day
• ⭐ User Reviews: Overwhelmingly positive

Tala is great for repeat borrowers who want short-term loans with increasing limits.

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📱 3. M-Pesa App – 10 Million+ Downloads

The M-Pesa app isn’t just for mobile money — it’s also a hub for digital loans like:

• M-Shwari
• KCB M-Pesa
• Fuliza
• Hustler Fund
• Taasi Loans
• ✅ Downloads: 10M+
• 🔐 Why It’s Popular: Secure, versatile, and integrated into daily transactions

If you use Safaricom, this is the must-have loan app.

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📱 4. Zenka Loan App – 5 Million+ Downloads

Zenka has become a household name in digital lending with 5+ million downloads.

• ✅ Loan Amount: KES 1,000 – KES 200,000
• 💰 Interest: As low as 2.45% APR annually
• 🎁 Perk: First loan interest-free

Zenka is one of the few apps offering USSD loan access (*841#).

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📱 5. Zash Loan App – 5 Million+ Downloads

With 5 million downloads, Zash is among the top digital lenders in Kenya in 2025.

• ✅ Loan Range: KES 1,000 – KES 200,000
• 💰 Interest: 2.08% per month
• 🕒 Disbursement Time: Less than 5 minutes

A favorite for fast loans with minimal documentation.

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🎓 6. HELB App – 1 Million+ Downloads

The HELB Loan App is Kenya’s official student loan application platform.

• ✅ Audience: University & TVET students
• 💡 Uses: Apply, track disbursement, check loan balance
• 📥 Downloads: Over 1 million

Perfect for students without access to personal finance options.

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🏦 7. Timiza Loan App – 1 Million+ Downloads

Timiza by ABSA Bank gives loans to users with or without a bank account.

• ✅ Loan Limits: From KES 1,000
• 📲 Features: Insurance, savings, loans
• 📥 Downloads: Over 1 million

Offers more than just loans — a full financial suite.

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🏦 8. Equity Mobile App – 1 Million+ Downloads

Run by Equity Bank, this app gives access to Eazzy Loans and banking tools.

• ✅ Loan Limits: From KES 1,000
• 🔒 Secure Banking: Includes PIN and biometric login
• 📥 Downloads: Over 1 million

Great for existing Equity Bank customers needing instant credit.

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💼 9. M-Kopa App – 1 Million+ Downloads

Known for device financing, the M-Kopa app also offers Solapesa cash loans.

• ✅ Loan Limits: KES 5,000 – KES 15,000
• 🎯 Target Users: Existing M-Kopa customers
• 📥 Downloads: Over 1 million

Ideal for users already in the M-Kopa ecosystem.

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🏦 10. MCo-opCash App – 1 Million+ Downloads

From Co-operative Bank, MCo-opCash allows users to access salary advances and personal loans.

• ✅ Loan Range: From KES 1,000
• 🔐 Security: Tied to your Co-op Bank account
• 📥 Downloads: Over 1 million

Safe, secure, and perfect for Co-op account holders.

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🏦 11. PesaPap App – 1 Million+ Downloads

Run by Family Bank Kenya, PesaPap offers mobile banking and loan services.

• ✅ Loan Type: Instant mobile loans
• 💰 Interest Rates: Very competitive
• 📥 Downloads: Over 1 million

Quick loans for both customers and non-customers.

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💳 12. ZkPesa Loan App – 1 Million+ Downloads

ZkPesa has become popular for its simplicity and fast disbursement.

• ✅ Loan Limits: KES 1,000 – KES 40,000
• 💰 Interest Rates: Competitive monthly terms
• 📥 Downloads: Over 1 million

Reliable and easy to use for first-time loan seekers.

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💰 13. Kashbean Loan App – 1 Million+ Downloads

Kashbean is a top pick for high-limit borrowers looking for fast loans.

• ✅ Loan Amounts: Up to KES 200,000
• 💰 Interest Rates: From 3% per month
• 📥 Downloads: Over 1 million

Great for business owners and large personal expenses.

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💸 14. InstarCash Loan App – 1 Million+ Downloads

InstarCash is well-known for its fast application and moderate interest.

• ✅ Loan Range: KES 1,000 – KES 40,000
• 💰 Interest: APR 36% minimum
• 📥 Downloads: Over 1 million

Best for users needing quick loans with flexible repayments.

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💳 15. Meta Loan App – 1 Million+ Downloads

Meta Loan App offers some of the longest repayment periods for mobile loans in Kenya.

• ✅ Loan Amounts: KES 1,000 – KES 80,000
• 💰 Interest Rate: 4% per month
• 📥 Downloads: Over 1 million

Recommended for users seeking medium-term loan solutions.

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🔍 Final Thoughts: Which Loan App Should You Choose?

The most downloaded loan apps in Kenya stand out because of:

• ✅ Fast approvals
• ✅ User trust
• ✅ Transparent interest rates
• ✅ Reliable customer support

If you want high limits, go for Branch or Kashbean. For student loans, choose HELB. For bank-based digital loans, use Timiza, Equity Mobile, or MCo-opCash.

⚠️ Always read the loan terms and conditions before applying. Only borrow what you can repay.

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