Loan apps without CRB Check in Kenya you can borrow from

Loan apps without CRB check in Kenya- 8 excellent apps to borrow from

So, which are the best loan apps that do not check CRB in Kenya when giving loans?

That’s what we shall look at in this article so read it to the end if you are searching for Loan apps without CRB that give MPESA loans.

Of course, many Kenyans- especially the youth- have been listed in CRB due to defaulting on mobile loans.

In fact, almost everyone has been in CRB at one time.

Loan apps without CRB to borrow from via MPESA

Here are some of the loan apps which you can borrow a loan without CRB check in Kenya:

1. Okash

Firstly there is Okash loan app – an app by Onespot technology investments ltd.

The good news is Okash loan does not look at your profession and will advance you an MPESA loan whether you are self-employed or on a payslip (As long as you are 20-55 years old).

What you  need to qualify for a loan from Okash is only meeting their eligibility criteria which you can view once you download Okash loan app.

Go here to download Okash loan app via play store and then register.


2. Opesa

Opesa is another loan app in Kenya without CRB clearance (it’s owned by TK Limited).

In Opesa loan app, loans are approved or denied depending on your phone data, for example, handset details, Mpesa/Mshwari financial transactions, and your reason for borrowing.

Opesa loans range from Ksh 2,000 to Ksh 50,000 and the interest rate is 14-16%.

The loans are repayable within 3 months (maximum).

One thing to note about Opesa is that the interest is deducted upfront.

Download Opesa loan app from playstore to get started.


3. M-fanisi

M-fanisi is another loan app without CRB check (the app is managed by Maisha microfinance bank).

Now, for you to qualify for a loan, you must be 18 years (and above).

Besides, your mpesa must be active and with a good transaction history.

M-fanisi loans range from Ksh 200 to Ksh 25,000 and the app charges a 10% interest rate.

You should repay your loan within 30 days from the date of disbursement.

To borrow from M-fanisi loans app, just download the M-fanisi loan app here.


4. Zenka

Zenta loan app is quite popular and they don’t check your records on CRB so it’s a good option too.

You only need to download the app from and install in your mobile phone.

After downloading, go ahead and choose the amount you want to borrow and then sign up.

Your money will sent to your MPESA after approval- it doesn’t take long.


5. Utajiri loan app

With Utajiri loan app, you follow these steps to qualify for a loan:

  • First, search for the app on Playstore and install it
  • Then launch the newly installed app from your smartphone
  • Next, create an account by providing the requested information including your M-pesa phone number
  • Now you should pay a registration fee of Ksh 250 (so your MPESA need to have some cash)
  • Click apply for loan
  • Next, select the period within which you intend to repay
  • Finally, click submit to send your loan request

Then wait for a few minutes for your loan to be approved.


6. Upazi loan app

Upazi loan app won’t check you on CRB also but like Utajiri, you need to pay a Kshs. 250 registration fee.

You only need to answer a few questions to qualify for a loan once you have paid up (your gender,  Email, ID no, your full names ,and date of birth).

You can borrow from Ksh 5000 to Ksh 50000 and the interest is about 12%.


7. Tala

Tala was among the pioneers when it comes to MPESA loan apps in Kenya and it has saved millions of Kenyans during emergencies.

So, what do you need to qualify for a Tala loan?

Well, like the rest, you have to first download the Tala app via play store and sign up.

There is a straightforward procedure to follow when applying (after signing up).

There are two things we love about Tala:

One, loans are approved pretty fast (the decision on your loan is made within seconds).

But perhaps the best part in Tala is that you qualify for a bigger amount when you repay on time- you can even double your limit in a few months.

Download Tala app. to get started.


8. Branch

A Branch is also a famous app and they can allow you to borrow up to ksh100000 (the least you can borrow is Kshs.250)

And the good thing is that Branch does not check your CRB status.

So, how does one apply?

Well, below are the instructions:

  1. Download the Branch app from Google playstore
  2. Create your account and then answer the listed questions and then click submit.
  3. Now you can apply for the loan amount you wish depending on your needs. …

After a short while, you will receive the loan into your account (If all goes well).


Loan apps without CRB – Frequently asked Questions (FAQs)

Is it possible for one to get a loan while you are being listed?

Yes, it is possible and all you have to do is download one of the loan apps we have listed above and follow the steps to borrow a small loan.


There you have it – a list of the loan apps without CRB check in Kenya.

Of course, there might be other loan apps (without CRB check) we have left out of the list so this is by no means exhaustive.

But you know where to start if you want an emergency loan yet you’re listed in CRB.



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