Best Kenya Loan Apps

170+ iOS apps curated and reviewed

3.9 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)

#	App	Price	Rating	Ads	In-App Purchases	Updated
1	PayMe - Personal loan app	Free	3.6★ (32)	No	No	Sep 2026
2	Kopo Kopo	Free	4.9★ (10)	No	No	Sep 2026
3	LittlePesa MFI Loaning App	Free	4.0★ (1)	No	No	Aug 2026
4	Co-op Bank App	Free	4.8★ (788)	No	No	Sep 2026
5	Equity Mobile	Free	4.8★ (6.2K)	No	No	Sep 2026
6	Timiza	Free	5.0★ (1)	No	No	May 2026
7	NPPF Loan	Free	1.0★ (1)	No	No	Aug 2026
8	Momentum Credit	Free	—	No	No	May 2026

Top Picks for Kenya Loan

#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.

#2

Kopo Kopo by Kopo Kopo INC

Simple tools for your business

Strong Contender

💼 Business

4.9(10 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.

#3

LittlePesa MFI Loaning App by Little Pesa Limited

Worth Considering

💰 Finance

4.0(1 ratings)

Free

LittlePesa MFI Loaning App screenshot 1

LittlePesa MFI Loaning App screenshot 2

LittlePesa MFI Loaning App screenshot 3

LittlePesa MFI Loaning App screenshot 4

LittlePesa MFI Loaning App screenshot 5

LittlePesa MFI Loaning App screenshot 6

Access personal loans up to Ksh 300,000 with flexible repayment options and competitive interest rates. Features include no security required, no processing fees, and an interest refund program. Earn rewards by referring friends.

More Kenya Loan apps to explore

Co-op Bank App - Fast & Secure

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)

More than just banking

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

by Absa Bank Limited

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

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

Momentum Credit

Momentum Credit

Momentum Credit

Momentum Credit Limited

Quick Loan - Credit Cash Calc

Quick Loan - Credit Cash Calc

Quick Loan - Credit Cash Calc

Instant loan EMI Planner

This personal finance education app helps users understand various loan types, estimate monthly payments, and make informed borrowing decisions. It offers educational content on loan categories, eligibility, and responsible borrowing, along with tools for EMI calculation and loan comparison.

Loan type educationMonthly repayment estimationLoan eligibility assessment

Borrow & Cash Advance App

Borrow & Cash Advance App

Borrow & Cash Advance App

Loans Between Paydays Fast

FairMoney: Save, Spend, Credit

FairMoney: Save, Spend, Credit

FairMoney: Save, Spend, Credit

Instant Loan App For Fast Cash

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

by Transform Credit

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

Tilt: Cash Advance & Credit

Tilt: Cash Advance & Credit

Tilt: Cash Advance & Credit

Cash Advance, Credit Cards

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

Cash Advance - CLS Money

Cash Advance - CLS Money

Cash Advance - CLS Money

Personal Loan Offers Compared

mobanja repayment app

Apply for Loan easily!

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

zukì – Loan app by SB Finance

zukì – Loan app by SB Finance

zukì – Loan app by SB Finance

by SB Finance Company, Inc.

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

Borrow smart, Build strong

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

Defence SACCO Mobile App

UNSACCO Mobile Banking App

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.

Are there free kenya loan apps for iPhone?

Yes — 20 of the top kenya loan apps we rank are free to download, including PayMe - Personal loan app and Kopo Kopo.

Does PayMe - Personal loan app have ads or in-app purchases?

PayMe - Personal loan app has no ads and has no in-app purchases, according to its App Store listing as of August 2026.

How many kenya loan apps are on the App Store?

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.

What is this app?

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.

What are the key features of this loan app?

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.