Compare Loans in Kenya

Compare loan products available in Kenya by rates, fees, repayment terms and other important features.

GOALS: All Loans & Credit Bank Personal Loans Biashara Loans & SME Financing Mobile Loans & Loan Apps Salary Advance & Checkoff Loans

Total Listed: 1 Product

Lowest Rate: 8.64%

Average Rate: 8.64%

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KCB Bank Kenya

KCB M-Pesa Micro Loan

Top Pick

4.9

Instant mobile loan up to KES 1,000,000 straight to M-Pesa

Rate / Fee 8.64%-12% (monthly)

Max Limit KES 1,000,000

Tenor 1-6 mo

Speed Instant

Direct disbursement to M-Pesa wallet Highest available credit limits up to KES 1M

Central Bank of Kenya (CBK) Verified Sep 2026

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Buyer & Decision Guide

What to Look for When Comparing Loans & Credit in Kenya

Selecting the most suitable loans & credit product depends on evaluating transparent terms rather than marketing claims. We recommend reviewing these core attributes before making a decision:

Total Cost & Fee Structure

Check upfront processing fees, monthly service charges, and effective interest rates or transaction percentages.

Speed & Availability

Review payout timing, disbursement windows, and digital verification workflows supported in Kenya.

Regulatory Licensing

Confirm that the institution holds verified statutory licensing from national banking or securities commissions.

Which Loans & Credit Provider Is Best for You?

Because individual financial circumstances differ, no single provider is universally best for every customer. An individual seeking low-value daily transfers or quick micro-loans will prioritize instant disbursement and minimal paperwork, whereas an SME or high-earner will prioritize higher limits, multi-currency invoicing support, and lower percentage fees.

Editorial Methodology & Rating Policy

How We Evaluate Loans & Credit in Kenya

When choosing loans & credit, always pay close attention to the total cost of ownership, effective annual percentage rates (APR), hidden administrative fees, and disbursement speed. Our editorial team continually updates rates weekly to ensure complete accuracy.

Moniest Neutral Verification Policy

We regularly audit interest rates, service fees, and regulatory licenses against official registers. We do not accept payment to rank providers higher or manipulate editorial ratings.

Frequently Asked Questions about Loans & Credit in Kenya

Clear answers to common questions regarding provider fees, eligibility, and regulatory safeguards.

Moniest independently evaluates each provider by verifying regulatory licenses, assessing real effective APRs/fees, testing customer service responsiveness, and reviewing verified customer feedback.

Yes. We strictly require all featured financial institutions to hold valid operational licenses from respective central banks (e.g. CBN, CBK, SARB, Bank of Ghana) or relevant financial conduct authorities.

No. Browsing, comparing rates, and reviewing product terms on Moniest has zero impact on your credit bureau record.

Advertiser & Affiliate Disclosure

Moniest is an independent financial comparison platform. We may receive compensation from partners when you click links or open accounts. However, commercial partnerships never influence our editorial ratings or algorithmic product comparisons. How We Make Money →

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