5 Loans for Bad Credit with Instant Approval in Kenya

Bad credit can make it hard to secure loans, but there are lenders in Kenya that offer instant approval, even if your credit score isn’t perfect. These loan apps are designed to help you get cash fast without worrying about your credit history.

1. Branch Loan App

Branch is a trusted loan app that provides loans to people with bad credit. No need for a high credit score to qualify—Branch uses your phone data to assess your creditworthiness.

• Loan amount: Up to KES 70,000.
• Instant approval: Get your loan within hours.
• No paperwork: Just your phone and ID.

Apply for a Branch loan here and get approved today, even with bad credit.

2. Tala Loan App

Tala is another app that offers loans regardless of your credit history. The application process is straightforward, and approvals are quick, making it ideal for those with low credit scores.

• Loan range: From KES 500 to KES 30,000.
• Quick disbursement: Get your money within minutes.
• Flexible terms: Choose the repayment schedule that works for you.

Download Tala and experience hassle-free approval.

3. Timiza by Absa Bank

Even if you have bad credit, Timiza allows you to borrow up to KES 100,000 as long as you’re an M-Pesa user. They don’t require extensive background checks or a high credit score.

• Loan approval: Almost instant.
• No credit check: Your credit history doesn’t impact your approval.
• No collateral: Just your phone and M-Pesa account.

Get started with Timiza and enjoy loans despite your credit score.

4. iPesa Loan App

iPesa provides fast loans for users, including those with poor credit ratings. The app evaluates your repayment history and offers loans quickly without requiring collateral or a guarantor.

• Loan range: Up to KES 50,000.
• Approval speed: Within hours.
• Repayment flexibility: Tailored to your needs.

Apply for iPesa here for an easy approval process.

5. Zenka Loan App

Zenka is well-known for providing loans to users with no credit history or bad credit. It’s a great option for anyone who needs quick cash, without the worry of being rejected due to poor credit scores.

• Loan amount: Up to KES 30,000.
• Fast approvals: Instant for first-time borrowers.
• No collateral required: Just your phone and identification.

Download Zenka and access loans with no credit checks.

Pro Tip:

Improve your loan limit over time by making timely repayments. These apps don’t just give you money—they also provide opportunities to build a better credit history for future borrowing.

Conclusion

Getting a loan with bad credit in Kenya is easier than you think. These five loan apps offer instant approval without requiring a high credit score, making them perfect for urgent cash needs. Which app will you use to get your loan approved today?