Access to quick loans has become a major need for many Kenyans, especially those who are negatively listed on the CRB. Fadhili Loan App has gained attention online for claiming to offer fast and convenient loans without checking a borrower’s CRB status. But how does this service really work? Is it legitimate? This review breaks down everything you need to know.
What is the Fadhili Loan App?
Fadhili Loan App is advertised across various online platforms as an instant loan provider that disburses funds directly to users’ M-Pesa accounts. Its biggest selling point is that borrowers can apply even if they have a poor credit history or are blacklisted.
However, as of 2025, the app cannot be found on the Google Play Store or the Apple App Store. Most users are redirected to sign-up forms on external websites, making it difficult to verify the identity and credibility of the company behind the service.
How to Apply for a Loan on Fadhili
Users are typically asked to provide:
- Full name
- National ID number
- M-Pesa phone number
- Basic income or employment information
Once details are submitted, borrowers are informed that they will receive a loan offer based on their eligibility. Several applicants online have reported that the platform requests an upfront registration or processing fee before loan approval.
Loan Limits, Interest Rates, and Repayment
Based on reported user experiences:
| Feature | Expected Details |
|---|---|
| Loan Limits | KSh 2,000 to KSh 50,000 |
| Approval Duration | Within minutes (not confirmed) |
| Interest Rate | Not clearly disclosed |
| Repayment Period | 7 to 30 days through M-Pesa |
These details are not officially verified, as the app does not publish transparent lending terms or policies.
Does Fadhili Loan App Check CRB Status?
The platform markets itself as a solution for borrowers who are negatively listed, stating that it does not require CRB clearance.
This is one of the main reasons people search for and apply through the service. However, the absence of CRB checks also makes it harder to assess the legitimacy and risk management of the lender.
Is Fadhili Loan App Legit?
This is the most important question, and several red flags must be noted:
- The app is not available on authorized app stores.
- There is no publicly listed physical address, support contact, or official company information.
- Fadhili Loan App is not among the digital credit providers licensed by the Central Bank of Kenya (CBK).
- Many user reviews complain about being asked to pay a registration fee but never receiving the loan.
Due to these concerns, users should be very cautious.
Better and Safe Alternatives in Kenya
If you require a genuine instant loan, consider registered and trusted options such as:
- M-Shwari
- KCB M-Pesa
- Tala
- Branch
- Zenka
- Timiza by Absa
- iPesa
These lenders do not ask for any form of payment before loan disbursement.
Should You Use Fadhili Loan App?
While the promise of a quick loan without CRB checks may attract many Kenyans, the lack of transparency around Fadhili Loan App makes it a high-risk choice.
Before applying, verify that the lender is licensed by the Central Bank of Kenya and avoid paying any upfront charges.
Final Thoughts
Fadhili Loan App has become popular due to its claims, but it shows multiple indicators of a potentially fraudulent setup.
To avoid losing your money or exposing sensitive personal information, consider well-established mobile loan platforms with proven credibility.
If you have ever applied for a loan using Fadhili Loan App, sharing your experience can help others stay informed and safer when seeking financial support online.
Fadhili Loan Contacts:
To get Fadhili’s loan contacts, use the details provided below.
Fadhili mobile contacts: +254 795560340 (Kenya If you are calling outside Kenya, remember to add +254 and remove the first zero.
For email inquiries: [email protected]
Fadhili loan website: http://www.fadhilimobile.co.ke/
Fadhili Facebook page: https://web.facebook.com/Fadhili-878251965709717/
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