Best Loan Apps In Kenya Without CRB

CRB is an acronym for Credit Reference Bureau. An individual’s credit profile is maintained by a credit bureau so that financial institutions can check it during the loan application process.

Depending on their credit history, a borrower may be approved for or denied a loan advance. We have three operating in Kenya currently.

They include Creditinfo, Metropol, or Transunion.

How to get a loan without a CRB check

Make sure you do proper research prior to applying for a loan. There are some loan apps that do not rely on CRB data from the start. These lenders used other factors including: 

  1. The data on the borrower’s smartphones and 
  2. The information the borrower supplied during registration. 

Nevertheless, the interest rates charged on these loans were extremely high. Another problem with loan apps that do not check CRB status is that they usually charge additional fees.

Some extra fees for loan apps without CRB check

  1. Registration fees
  2. Appraisal fees or processing fees.

5 Loan apps without CRB check

For the purpose of this article, here are the 5 (Five) loan apps that never check CRB status, they are:

  1. Okash
  2. Opesa
  3. M-Fanisi
  4. Mokash
  5. Tala

ALSO READ ON: New Loan apps in Kenya to Try 2023


OneSpot Technology Investment Ltd. provides an app called Okash for loan applications. Borrowers must meet the eligibility criteria which are outlined in the Okash loan app.

OKash loans are available to anyone 21-55 years of age, with a fixed income and a cellphone number. The interest rate on Okash loans ranges from 14% – 16% at 91 to 92 days of repayment.

The loan limits range from Ksh. 2,500 to Ksh. 50,000. 

Due to their interest rates being deducted prior to disbursement, borrowers usually end up with less than they had originally applied for. 


TK Limited, however, provides the Opesa loan app. Opesa decides whether a loan needs to be approved based on a borrower’s phone data – e.g., handset details, MPESA/Mshwari finance transactions, and why they want the loan.

The interest rates on Opesa loans vary from 14% to 16%, with a repayment duration of  91 or 92 days. Opesa is another online loan app that deducts interest in advance. 


Maisha Microfinance Bank offers the M-Fanisi loan service. Applicants must be 18 years of age or older and have an active M-PESA account transaction record.

M-Fanisi loans range from Ksh. 200 to Ksh. 25,000 at a 10% interest rate repayable within 30 days. M-Fanisi loan USSD code is *281# for Safaricom subscribers or *222# for Airtel subscribers.


Tala Mobile is the developer of the Tala loan app. They typically approve loans based on the phone data of customers, such as the financial transactions from M-PESA as well as the answers provided while applying.

The interest rate on Tala loans varies between 5% to 15% depending on the repayment period of 21 or 30 days.

The loans range from Ksh. 500 to Ksh. 30,000. Tala loans can be accessed by downloading the Tala loan app from the Google Play store.


Mocash offers a loan product called MoKash. They offer loans of between Ksh. 1,000 to Ksh. 30,000 for a duration of 8 days. The MoKash loan app can be downloaded from the Google Play store.

8 Mobile loan apps without CRB check

Other mobile loan apps without CRB check includes:

  1. Tunzi Loan app (formerly Utunzi loan app)
  2. Fadhili Loan app
  3. Usawa Loan app
  4. Kano Loan App
  5. Upazi loan app
  6.  Dolax loan app
  7. Craft loan app
  8. Utajiri loan app

7 Loan apps without CRB and registration fee

Other Loan apps without CRB check in Kenya and their registration fees:

  1. Fadhili Loan app –  Ksh. 350
  2. Usawa Loan app–  400 Kenyan Shillings
  3. Kano Loan App-  Registration fee typically varies between 5% to 33% of the advance amount per 21-day advance period. 
  4. Upazi loan app-  250 Kshs fee.
  5. Dolax loan app-  5% – 33% of the advance amount per 21-day advance 
  6. Craft loan app-  The service amount varies for the loan amount requested.
  7. Utajiri loan app-  Kes 250


A borrower will always be screened by a Credit Reference Bureau (CRB), as you interact with various lenders before a lending decision is made. Many borrowers hate this step, but it is one of the most important parts of lending.

Some of the information the CRB keeps about a borrower is their credit history, their credit score, and their payment performance index.

These are the criteria for loan disbursement. In spite of this, some lenders do not use this information.

They only access the information provided by the borrower and the data accumulated on the phone. 

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