Loan Apps in Kenya That Don’t Check CRB Status 2024


Loan Apps in Kenya That Don’t Check CRB Status 2024


Loan Apps in Kenya That Don’t Check CRB Status 2024


Loan Apps in Kenya That Don’t Check CRB Status 2024


Accessing credit is a critical step in achieving financial stability and growth. In Kenya, a robust credit score is the golden ticket to traditional loan avenues. However, this path isn’t always accessible for everyone. Many Kenyans face the challenge of a low credit score, which acts as a barrier to these conventional loans.

The Hurdle of CRB Checks and the Alternative Path

A common hurdle with mobile loan apps is the dreaded credit reference bureau (CRB) check, an obstacle for those with less-than-stellar credit histories. But don’t lose hope just yet. In this article, we will provide you with a comprehensive list of loan apps in Kenya that do not check CRB status. These apps can be used by anyone, regardless of their credit score, to access credit.

A Closer Look at the Central Bank of Kenya’s Stance

The Central Bank of Kenya has stepped in, restricting certain lending institutions from tapping into CRB records. This move, rooted in past abuses and a lack of regulation, aims to safeguard Kenyan consumers and ensure the accuracy of creditworthiness assessments.

Your Go-To List for CRB-Free Loan Apps in Kenya

Without further ado, here’s an updated list of mobile loan apps in Kenya that won’t check your CRB status as of 2024:

  1. Afrika loans
  2. Aspira
  3. Carbon
  4. Craft loan app
  5. Dolax loan
  6. Duta
  7. Eazzy Loans
  8. Fair Branch: Instantly and Accuracy
  9. Fair Money
  10. Fintech Loans
  11. FlashPesa
  12. Fadhili Loan app
  13. Fuliza Branch
  14. Fululiza Senti
  15. Hela Pesa
  16. HiCash Quick and Easy Loans to MPESA
  17. Hikash
  18. Imarika Credit
  19. Instant Cash- Reliable Money
  20. Investor
  21. iPesa
  22. Izwa Loans
  23. Kano App
  24. Kash Pesa Loans
  25. Kashway
  26. Kava Personal Loans
  27. Kenya Quick Loan Shop
  28. Kenya Quick Loans Market
  29. Kopa Jirani
  30. Kuwazo
  31. Kua
  32. Lendi mkopo
  33. Lendy LOANS
  34. LionCash
  35. Loanika
  36. Loans Chap Chap
  37. M-KOPAY
  38. MB-Kash
  39. MKash Bee
  40. Mshiko Chap
  41. Okash loan
  42. Okoa 0% Interest Loans
  43. Okoa Cash Loans
  44. Okolea Quick Loans
  45. Okolea loan app
  46. Palm Loans Kenya
  47. PesaFlash
  48. PesaPata
  49. Peso Loans
  50. Pezesha
  51. Phedha Loans
  52. Saida
  53. Senti
  54. Stawika
  55. Top Loan Lenders
  56. Tunzi
  57. Umba (Formerly Mkopo Kaka)
  58. Upazi loan
  59. Usawa app
  60. UbaPesa
  61. Utajiri loan app
  62. Zenka
  63. Zash Loan
  64. tumaPesa

Why These Apps Don’t Use CRB Records

As you can see, these loan apps do not have a commercial bank behind them, which is why they cannot access CRB records. The move was meant to protect Kenyans from these loan apps.

A Word of Caution

It’s worth noting that some loan apps have ceased operations due to the high risk of lending without proper credit risk assessments. If an app isn’t listed on the Google App Store, it’s wise to steer clear, especially since Google has delisted some for various reasons.

Read also: Top Loan Apps in Kenya 2024: Find the Best Mobile Lending Apps

How to Select the Right Loan App for You

When faced with a plethora of loan apps, how do you pick the right one? Here are some key considerations:

Loan Amount

Consider the loan amount you need and whether the loan app can fulfill your financial needs. Note that some loan apps offer higher loan amounts than others, so select an app that can accommodate the specific amount you require.

Interest Rates

Before choosing a loan app, compare the interest rates as they vary, and choosing a lower rate can save money in the long run.

Repayment Period

Choosing the right repayment period for a loan is crucial. It’s important to select a repayment period that fits your financial situation comfortably and allows you to repay the loan without straining your finances.

User Reviews

Check out user reviews of the loan app to get a sense of its functionality and reliability. Head over to Google Play or the App Store to see what other users are saying. If you come across a loan app with mostly negative reviews, it’s probably best to explore other options.

Customer Support

Choose a loan app with top-notch customer support to ensure you get the assistance you need throughout the loan application process. Be cautious of apps with unreliable customer support that could potentially cause inconvenience and harm your reputation.


In conclusion, mobile loan apps that do not check CRB status in Kenya can provide you with the financial support you need without the need for a credit reference bureau check. With this comprehensive list of loan apps, you can find one that suits your needs and offers you the best loan terms.

Remember, while these loan apps may not require a CRB check, it’s essential to borrow responsibly and only borrow what you can afford to repay. Always read the loan agreement carefully and make sure you understand the terms and conditions before accepting the loan.

Mariam Chorah
Mariam Chorah
Mariam is an exceptional lead writer for the blog. Her expertise lies in extensive research and creating insightful blog posts on various finance-related topics. As a skilled blogger, Mariam possesses the ability to simplify complex financial concepts and present them in a clear and accessible manner, making her writing both informative and enjoyable to read.

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  1. I need a loan app that can offer me an emergency loan of kshs. 15000/- payable in three instalments. Please advice it is urgent.


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