BANKING PRODUCTS

Borrowers listed with a Credit Reference Bureau in Kenya face limited access to formal credit, as banks and regulated lenders continue

Digital lending platforms have shortened the gap between application and disbursement, with some borrowers receiving funds in under a minute. Even

About 400 digital lenders have been flagged for operating without approval in Kenya, while roughly 195 have secured licenses from the

Kenya’s mobile lending ecosystem has evolved into a layered market where safety depends largely on regulation, data practices, and institutional backing.

Kenya’s digital lending market is rapidly expanding, with several platforms offering instant loans without requiring a hard Credit Reference Bureau (CRB)

Average interest rates for loan apps in Kenya are high, typically ranging from 0.3% to over 1.5% daily or 2% to

Kenya’s digital lending market is rapidly expanding in 2026, with mobile platforms offering instant access to credit for personal and business

Zash Loan, a digital lending platform, provides instant loans to individuals and small businesses across Kenya. The service enables borrowers to

LendPlus is a mobile lending platform that allows Kenyans to access instant loans through their M-Pesa wallets. The app targets users

Little Pesa is a licensed lending platform regulated by the Central Bank of Kenya. It is also an approved Data Processor