Top 5 Loan Apps in Kenya Without CRB Check

 

Need a loan without worrying about your CRB status?
Many Kenyans hesitate to apply for loans because of their CRB (Credit Reference Bureau) status. However, some loan apps offer fast approvals without checking your CRB history, making it easier to access credit when you need it most.


1. Branch

Branch is one of the most trusted loan apps in Kenya, and it does not require a CRB check to approve loans. You only need your phone and M-Pesa account to apply.

  • Loan Range: Ksh 250 to Ksh 70,000
  • Approval Time: Less than 10 minutes
  • Pro Tip: Make timely repayments to increase your loan limit quickly.
    Download Branch here to get started.


2. Tala

Tala offers quick loans without checking your CRB status. The app relies on your phone usage and M-Pesa transaction history to determine your eligibility.

  • Loan Range: Ksh 500 to Ksh 30,000
  • Approval Time: 5 to 10 minutes
  • Pro Tip: Ensure your M-Pesa activity is regular to improve your chances of approval.
    Apply for a Tala loan now.


3. Timiza by Absa

Timiza is an easy-to-use app from Absa Bank that provides loans directly to your M-Pesa account. CRB status isn’t a concern for loan approval, making it a top choice for those with bad credit.

  • Loan Range: Ksh 50 to Ksh 100,000
  • Approval Time: Under 5 minutes
  • Pro Tip: Regularly use Timiza for bill payments and savings to qualify for higher loan limits.
    Sign up for Timiza here.


4. iPesa

iPesa is another popular loan app that doesn’t require a CRB check. All you need is your phone number and a few personal details to get approved.

  • Loan Range: Ksh 500 to Ksh 50,000
  • Approval Time: Less than 10 minutes
  • Pro Tip: Start with smaller amounts to build trust with the lender and increase your future loan amounts.
    Get your loan from iPesa.


5. Zenka

Zenka offers instant loans without checking your CRB history, making it ideal for borrowers with poor credit. Plus, they offer an interest-free first loan, perfect for first-time users.


Conclusion

If you need a loan and don’t want to worry about your CRB status, these loan apps offer fast approvals without a credit check. With options like Tala, Branch, and Timiza, you can get the funds you need quickly and conveniently.

Which app will you try next for a CRB-free loan? Let us know in the comments below!


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