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Representative APR 11.0–14.0%
Amount KSh50k–KSh5M

Best for: This loan is ideal for individuals needing immediate funds without collateral, especially for personal emergencies or significant expenses.

Kenyan resident · Stanbic account · Regular salary

Representative APR 20.0–36.0%
Amount KSh200k–KSh5M

Best for: This service is best for Kenyan residents looking to buy a car with minimal upfront costs.

Kenyan resident · Aged 21+ · Valid driving licence

Representative APR 8.99–12.0%
Amount Up to KSh10

Best for: This loan is best for first-time homebuyers looking for affordable housing solutions with predictable monthly payments and interest rates.

Representative APR 15.0–18.0%
Amount KSh20k–KSh5M

Best for: This loan is best suited for individuals seeking both traditional and digital lending solutions with a reputable bank.

Kenyan resident · NCBA account · Regular salary

Representative APR 14.0–19.0%
Amount KSh500k

Best for: This loan is best for individuals looking to finance up to 90% of a vehicle's value, with flexible repayment options.

Kenyan citizen or resident · Age 18+ · Salaried or self-employed

Representative APR 0.0–120.0%
Amount KSh500–KSh30k

Best for: This loan is ideal for individuals needing fast cash for emergencies or unexpected expenses, especially those familiar with M-PESA transactions.

Kenyan M-PESA user · Smartphone with Zenka app

Representative APR 13.0–18.0%
Amount KSh500k

Best for: Kenyan citizens or residents with a steady income looking for vehicle financing between KES 500,000 and KES 15,000,000.

Kenyan citizen or resident · Regular income · Comprehensive insurance

Representative APR 12.0–15.0%
Amount KSh50k–KSh7M

Best for: This loan is best for individuals seeking significant funding without collateral and those wanting the security of retrenchment cover.

Kenyan resident · StanChart account · Regular salary

Representative APR 14.0–18.0%
Amount KSh500k

Best for: Individuals with stable incomes looking to finance a vehicle costing between KES 500,000 and KES 10,000,000.

Kenyan resident · Aged 18+ · Proof of income

Representative APR 15.0–18.0%
Amount KSh10k–KSh5M

Best for: This loan is ideal for individuals seeking a reliable financing option with manageable repayment terms, particularly if you receive your salary through check-off.

Kenyan resident · Co-op Bank account · Regular salary

Representative APR 18.0–36.0%
Amount KSh100k–KSh2.5M

Best for: Individuals looking for flexible car financing options with a decent credit score and a stable income.

Kenyan citizen or resident · Age 21+ · Valid driving licence

Representative APR 15.0–18.0%
Amount KSh10k–KSh5M

Best for: This loan is best for employed individuals seeking quick access to funds without collateral, especially those with a regular salary.

Kenyan resident · KCB account · Regular salary

Representative APR 13.0–17.0%
Amount KSh500k

Best for: Kenyan residents with regular income seeking to finance either a new or used vehicle.

Kenyan resident · Aged 18+ · Regular income

Representative APR 13.0–16.0%
Amount KSh50k–KSh5M

Best for: This loan is best for existing I&M Bank customers looking for quick access to funds via a user-friendly app.

Kenyan resident · I&M account · Regular salary

Representative APR 88.0–107.0%
Amount KSh50–KSh150k

Best for: Ideal for individuals needing quick cash with a flexible repayment plan based on their savings and payment history.

Kenyan M-PESA user · Active KCB M-PESA account

Representative APR 18.0–22.0%
Amount KSh5k–KSh2M

Best for: This loan is best for women entrepreneurs and salaried employees in need of financial support. KWFT's focus on women sets it apart in Kenya’s microfinance space.

Kenyan resident · KWFT account · Regular income

Representative APR 14.0–17.0%
Amount KSh10k–KSh5M

Best for: This loan is best for individuals looking for both secured and unsecured options at a lower interest rate, especially following the recent CBK rate cuts.

Kenyan resident · Equity account · Regular salary

Representative APR 14.0–18.0%
Amount KSh50k–KSh3M

Best for: This loan is best for individuals seeking unsecured financing with flexible repayment terms, especially those with stable salaries.

Kenyan resident · NBK account · Regular salary

Representative APR 11.0–15.0%
Amount KSh20k–KSh3M

Best for: This loan is ideal for individuals looking for flexible repayment options and relatively low interest rates in the Kenyan market.

Kenyan resident · Ecobank account · Regular salary

Representative APR 15.0–18.0%
Amount KSh10k–KSh3M

Best for: This loan is best suited for individuals and businesses in semi-urban and rural Kenya looking for reliable funding options.

Kenyan resident · Family Bank account · Regular salary

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