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The best apps giving out unsecured soft loans in Kenya (2019)



mobile money - The best apps giving out unsecured soft loans in Kenya (2019)
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Mobile money is now an obvious thing in the finance industry in kenya since the introduction of Safaricom’s M-Pesa,Bharti’s Airtel money,Essar’s Yu cash and Telkom’s orange money some years back.Lenders therefore had no option but jumping on board through business partnerships with these giants in the telecommunication  industry resulting into the development of loan app[softwares].
 Putting aside banking apps for example KCB
and I&M banking apps today we are going to highlight the best ‘trust based ‘ loan apps in kenya which are up and running already benefiting clients during times of financial emergencies.These apps are available on GOOGLE PLAY STORE.
Please read the descriptions of each app, understand before proceeding to download it and use it.


Haraka loan app is Getbucks’ small division giving out loans to everyone in minutes through Mpesa.

  • Download haraka loan app from play store.
  • Install the app into your phone.
  • Sign up with your facebook account
  • Check how much your approved for and borrow right away.


Thanks to co-founders Keneth Ngetha and Kyale Mwendwa for the big inovation.The loans are going to be offered by Saida Financial Services.The loans are available to safaricom and aitel subscribers only.Currently close to 50000 clients are using Saida loan app.


  • Download the app and instal it to your mobile phone.
  • Sign up with Facebook or Google account.
  • Fill in the required details; name ,phone number, email address etc
  • Wait for the feedback and you are done!

If you are approved for a given amount ,you do so immediately and the money will be deposited into your m-pesa or airtel money account.Repayment depends on the amount borrowed and is payed through your m-pesa or airtel money.


There are two apps,one intended for Kenyans and one for Tanzanians.Choose the one for kenya [mkopo rahisi kenya].Mkopo rahisi is available to safaricom subscribers only.Loans are offered by Inventure.Currently mkopo rahisi has close to 100000 users.


  • Download the app and instal it to your mobile phone.
  • Create your account.
  • Fill in a few details as required; employment status,salary etc.
  • Wait for the feedback and that is it!

If you get approved for acertain amount of money the same will be credited to your m-pesa account.Repayment depends onthe amount borrowed and its done through m-pesa.
UPDATE:Read now Mkopo Rahisi is now Tala kenya 


Micromobile loans are offered by MICRO MOBILE LIMITED.The loans are available to safaricom subscribers only.Micromobile have close to 5000 users.


  • Download the app and instal it to your phone.
  • Create your micromobile account.
  • Request a mobiloan and that is it.

Update ;Currently, this app is not working. It will be okay in the near future.


Financial access anytime, anywhere. Branch International is the latest fast way to get credit in Kenya. The loan is available to safaricom subscribers. Currently, more than 10000 people are using this app.


  • Download the app.
  • Sign in using your Facebook account.
Now apply for a loan up to a maximum of ksh50000, which upon approval the money will be deposited in your M pesa account.


Fuliza works like a bank overdraft facility. Basically, if you need to buy an item and your M-Pesa account does not have sufficient funds, Safaricom funds the difference, then as soon as your M-Pesa account is loaded, they deduct their loan plus the facility fee (or interest).  The amount you can borrow via Fuliza depends on your overdraft limit.

Fuliza is available on the MySafaricom app or via USSD *234#. To sign up, you must have used M-Pesa for at least 6 months, and the product allows you to sign up with multiple M-Pesa numbers.

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