Best Kenya Loan Apps

170+ iOS apps curated and reviewed

3.8 avg rating
20 free apps
Updated August 2026

From beginner-friendly picks to power-user tools, our kenya loan list covers 170+ iPhone apps updated through August 2026. Compare ratings, prices, and screenshots in one place.

Compare top Kenya Loan Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayMe - Personal loan appPayMe - Personal loan appFree3.6★ (32)NoNoAug 2026
2Kopo KopoKopo KopoFree4.9★ (8)NoNoJun 2026
3LittlePesa MFI Loaning AppLittlePesa MFI Loaning AppFree4.0★ (1)NoNoAug 2026
4Co-op Bank AppCo-op Bank AppFree4.8★ (788)NoNoAug 2026
5Equity MobileEquity MobileFree4.8★ (6.2K)NoNoAug 2026
6TimizaTimizaFree5.0★ (1)NoNoMay 2026
7NPPF LoanNPPF LoanFree1.0★ (1)NoNoAug 2026
8Momentum CreditMomentum CreditFreeNoNoMay 2026

Top Picks for Kenya Loan

PayMe - Personal loan app#1

PayMe - Personal loan app by Huey Tech Private Limited

Instant personal loan app
Editor's Choice
💰 Finance
3.6(32 ratings)
Free
PayMe - Personal loan app screenshot 1
PayMe - Personal loan app screenshot 2
PayMe - Personal loan app screenshot 3
PayMe - Personal loan app screenshot 4

This app provides instant personal loans for salaried individuals in India, with amounts ranging from Rs. 2,000 to Rs. 2 Lakh. It offers a 100% paperless process, flexible repayment options, and quick approvals, with funds disbursed directly to your bank account.

Kopo Kopo#2

Kopo Kopo by Kopo Kopo Inc

Simple tools for your business
Strong Contender
💼 Business
4.9(8 ratings)
Free
Kopo Kopo screenshot 1
Kopo Kopo screenshot 2
Kopo Kopo screenshot 3
Kopo Kopo screenshot 4
Kopo Kopo screenshot 5
Kopo Kopo screenshot 6

Manage business finances on the go. Accept mobile payments, send money to bank accounts and M-PESA numbers, and access quick business loans. Track all transactions and generate statements for easy reconciliation.

More Kenya Loan apps to explore

4
Co-op Bank App
Co-op Bank App
Co-op Bank App
Co-op Bank App - Fast & Secure
Free

Manage your finances with this comprehensive digital banking app. View accounts, transfer funds, pay bills, and apply for loans. Securely manage your cards and make payments with ease.

Account management and transaction historyCard management and virtual card creationBill payments (utilities, government, school fees)
💰 Finance
(788)
free
5
Equity Mobile
Equity Mobile
Equity Mobile
More than just banking
Free

Manage your finances and lifestyle needs from a single platform. This app allows you to view balances, pay bills, transfer funds, and even open accounts instantly. Securely access your financial information and perform transactions on the go.

Instant account openingView account balances and transactionsPay bills and buy goods
💰 Finance
(6.2K)
free
6
Timiza
Timiza
Timiza
by Absa Bank Limited
Free

Manage your finances on the go with this banking app. Instantly open an account, get loans, transfer funds, pay bills, and purchase insurance. You can also save money and earn returns on your deposits.

Instant account openingInstant mobile loansFund transfers
💰 Finance
(1)
free
7
NPPF Loan
NPPF Loan
NPPF Loan
NPPF Loan
Free

Access loan services from the National Pension and Provident Fund. Members can apply for new loans, check their loan status, and view their outstanding balance directly from their mobile device.

Apply for new loansCheck loan statusView loan balance
💰 Finance
(1)
free
8
Momentum Credit
Momentum Credit
Momentum Credit
Momentum Credit Limited
Free
💰 Finance
(0)
9
Quick Loan - Credit Cash Calc
Quick Loan - Credit Cash Calc
Quick Loan - Credit Cash Calc
Instant loan EMI Planner
Free
💰 Finance
(0)
10
Borrow & Cash Advance App
Borrow & Cash Advance App
Borrow & Cash Advance App
Loans Between Paydays Fast
Free
💰 Finance
(0)
11
FairMoney: Save, Spend, Credit
FairMoney: Save, Spend, Credit
FairMoney: Save, Spend, Credit
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
💰 Finance
(14K)
free
12
Together Loans
Together Loans
Together Loans
by Transform Credit
Free

This app offers a new approach to lending, providing loans based on trust rather than solely on credit history. It allows users to view their loan details, access statements, make secure payments, and apply to borrow more.

View loan detailsAccess statementsSecure payments
💰 Finance
(366)
free
13
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(453K)
subscription
14
Cash Advance - CLS Money
Cash Advance - CLS Money
Cash Advance - CLS Money
Personal Loan Offers Compared
Free
💰 Finance
(0)
15
Mobanja
Mobanja
Mobanja
mobanja repayment app
Free
💼 Business
(0)
16
Loan In Touch
Loan In Touch
Loan In Touch
Apply for Loan easily!
Free

Apply for loans from trusted banks with competitive rates from home. Documents can be collected, loans approved, and funds credited to your account in under 72 hours.

Easy loan applicationTrusted bank partnershipsCompetitive interest rates
💰 Finance
(0)
free
17
zukì – Loan app by SB Finance
zukì – Loan app by SB Finance
zukì – Loan app by SB Finance
by SB Finance Company, Inc.
Free

This finance app offers a convenient way to manage loan applications and accounts. Users can receive funds directly to their bank accounts and track payment due dates. It provides various loan products for different needs, including options for vehicles and personal cash loans.

Loan application controlDirect fund disbursementPayment dashboard
💰 Finance
(4)
free
18
Andray Finance
Andray Finance
Andray Finance
Borrow smart, Build strong
Free

This digital lending platform offers quick and transparent loans to salaried professionals, entrepreneurs, and gig workers in Nigeria. It provides instant access to funds, easy repeat borrowing, and loan growth opportunities based on responsible repayment. The service prioritizes privacy and automated, secure transactions.

Instant loan access up to ₦5,000,000Streamlined, paperwork-free applicationEasy repeat borrowing
💰 Finance
(1)
free
19
DESACCO
DESACCO
DESACCO
Defence SACCO Mobile App
Free
💰 Finance
(0)
20
UNSACCO
UNSACCO
UNSACCO
UNSACCO Mobile Banking App
Free
💼 Business
(0)

FAQ about Kenya Loan

What are the best kenya loan apps for iPhone?
PayMe - Personal loan app tops our kenya loan apps ranking as of August 2026, with a 3.6-star average from 32 App Store ratings, and it's free to download.
Yes — 20 of the top kenya loan apps we rank are free to download, including PayMe - Personal loan app and Kopo Kopo.
PayMe - Personal loan app has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 170+ kenya loan apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app is a personal loan application designed for salaried individuals in India. It allows users to apply for instant loans ranging from Rs. 2,000 to Rs. 2 Lakh with flexible repayment terms of 3 to 24 months. The process is entirely paperless, and approved loan amounts are disbursed directly to the user's bank account.
Key features include a 100% paperless application process, loan limits up to Rs. 2 Lakh, easy and flexible repayment options, quicker approvals, and no charges for foreclosure or pre-part payments. It also offers collateral-free personal loans and the ability to convert short-term loans to EMI term loans.