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Digital Loan lenders have become a reliable and convenient solution for many individuals in Kenya whenever they require a loan.
These lenders offer quick access to funds without the hassle of lengthy paperwork or traditional bank processes.
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Whether you’re facing an unexpected expense or need to bridge a financial gap, digital loan lenders have revolutionized the borrowing experience.
With their user-friendly mobile applications and efficient approval systems, these lenders have gained popularity among Kenyans seeking financial assistance.
In this article, we will explore some of the top best digital loan lenders in Kenya, highlighting their unique features and benefits.
So, if you’re looking for a reliable source of instant funds, here is the list of top digital loan lenders in Kenya.
| Loan App | Borrowing Range | Annual Interest Rate | Repayment Period |
| Tala | Ksh 2,000 – Ksh 30,000 | 15% interest on the loan | 14 days |
| Direct Cash | Ksh 1,500 – Ksh 50,000 | 36% APR | 91-365 days |
| Hustler Fund | Ksh 500 – Ksh 50,000 | 8% APR | 14 days |
| Meta Loan | Ksh 1,000 – Ksh 80,000 | 4% APR | 91-365 days |
| Branch | Ksh 150 – Ksh 100,000 | Variable 2-18% APR | 62 days |
| Zash | Ksh 500 – Ksh 50,000 | 25% APR | 91-365 days |
| Utunzi | Ksh 500 – Ksh 50,000 | 12% APR | 21 days |
| Bayes | Ksh 1,000 – Ksh 50,000 | 30% APR | 90-180 days |
| Opesa | Ksh 1,500 – Ksh 50,000 | 16-29% APR | 14 days |
| Okash | Ksh 500 – Ksh 50,000 | 36% APR | 91-365 days |
| Lion Cash | Ksh 2,000 – Ksh 70,000 | 16% APR | 91-365 days |
| Patron | Ksh 200 – Ksh 15,000 | 365-1825% APR | 91-365 days |
| Pesa Pap | Ksh 1,000 – Ksh 50,000 | 6.62% APR | 30 days |
| iPesa | Ksh 500 — Ksh 50,000 | Up to 72% APR | 91-180 days |
| Asap Kash | Ksh 1,000 – Ksh 12,000 | 18% APR | 91-365 days |
| Apesa | Ksh 500 – Ksh 8,000 | 18% APR | 91-365 days |
| KashWay | Ksh 500 – Ksh 60,000 | 72% APR | 91-180 days |
| Fadhili | From Ksh 500 | 24% APR | 91-365 days |
| Credit Moja | Ksh 2,500 – Ksh 25,000 | Up to 50% APR | 91-365 days |
| InstaPesa | Ksh 3,000 – Ksh 80,000 | 8-20% of the loan | 91-365 days |
| KCB MPESA | From Ksh 1,000 | 8.64% APR | 30 days |
| Fuliza MPESA | Ksh 1 – Ksh 70,000 | Ksh 2 – Ksh 25 per day | 30 days |
| Timiza | Ksh 500 – Ksh 100,000 | 1.083% of the loan | 30 days |
| NCBA Loop | Up to Ksh 3 million | 2% facility + 10% duty | 6-36 months |
| Eazzy Loan | From Ksh 1,000 | 13% APR | 1-12 months |
| VOOMA Loan | Up to Ksh 300,000 | 5-91% interest | 30 days |
| HF Whizz | Ksh 1,000 – Ksh 50,000 | 10% of the loan | 30 days |
| MCOOP Cash | Ksh 1,000 – Ksh 50,000 | 8% monthly interest | 1-3 months |
| Pesa Pata | Ksh 500 – Ksh 20,000 | 10-30% interest | 1 month |
| Zenka | Ksh 500 – Ksh 30,000 | 9-30% interest | 61 days |
