33 CBK-licensed loan apps sorted by the highest annual percentage rate (APR) each lender publishes on Google Play, lowest first. Tap a heading to sort.
Read with care: lenders calculate APR differently (some quote interest only, some include fees), and the rate you get depends on your credit score. Always compare the total repayment shown in the app before accepting.
| App | Lender | Published cost (APR) | Max APR | Amounts | Term | Google Play downloads |
|---|---|---|---|---|---|---|
| Bright Cash | Payablu Credit Limited | 15% – 20% | 20% | KES 5,000 – 550,000 | 91 – 180 days | 10K+ |
| Pawa Kash and Beta Pesa | Sokohela Limited | Max 24% (annual interest) | 24% | Not stated in the listing | Pawa Kash 91 – 180 days; Beta Pesa 91 – 360 days | 1M+ |
| RocketPesa | Natal Tech Limited | Max 24% | 24% | KES 5,000 – 50,000 | 91 – 365 days | 500K+ |
| Surehela | Sure Cred Capital Limited | Max 26% (annual interest) | 26% | KES 150,000 – 200,000 | 91 – 120 days | 10K+ |
| Daviva | Pesakuu Credit Limited | Max 30% (incl. fees) | 30% | Not stated in the listing | 61 – 122 days (incl. extension) | 100K+ |
| Nobel Lending | Lendara Credit Limited | 10% – 33% | 33% | KES 1,000 – 100,000 | 91 – 180 days | 10K+ |
| Leo Cash | Reazilla DCP Limited | 27.7% – 33.5% | 33.5% | Not stated in the listing | 91 – 360 days | 100K+ |
| Raha Pesa | Mkulimapay Credit Ltd | 16% – 34% | 34% | KES 5,000 – 500,000 | 91 – 180 days | 100K+ |
| ZK Pesa | Chapeo Capital Limited | 12% – 36% | 36% | KES 2,000 – 100,000 | 91 – 365 days (incl. extension) | 5M+ |
| FlashPesa | Ambush Capital Limited trading under FlashPesa | Max 36% (incl. fee) | 36% | KES 1,000 – 80,000 | 91 – 365 days | 1M+ |
| DG Loan | Loan Plus Digital Credit Provider Limited | 12% – 36% | 36% | KES 1,000 – 50,000 | 91 – 360 days | 1M+ |
| ChapMali | Futureinno Digital Tech Limited | 9% – 36% | 36% | KES 1,000 – 100,000 | 91 – 365 days | 100K+ |
| DotCash | Dotcash Credit Limited | Max 36% (annual interest) | 36% | KES 800 – 80,000 | 91 – 365 days | 10K+ |
| PesaIn, ZeloCash and Fiza | Wabema Credit Ltd | PesaIn 18.5% – 65.5%; ZeloCash 14.6% – 43.8%; Fiza 16% – 65.5% | 65.5% | PesaIn KES 1,000 – 150,000; ZeloCash KES 1,000 – 200,000; Fiza KES 800 – 100,000 | 91 – 120 days (ZeloCash up to 180) | 1M+ |
| Beavers Credit | Beavers Credit Limited | Max about 66% | 66% | Not stated in the listing | 3 – 12 months | 10+ |
| Aleza | Aleza Limited | 26.9% – 67.2% | 67.2% | KES 5,000 – 50,000 | 61 – 90 days | 50K+ |
| Bora Credit | Ceres Tech Limited | 36% – 72% | 72% | KES 500 – 50,000 | 91 – 180 days | 1M+ |
| Wakanda Credit | Wakanda Credit Limited | 16.5% – 75% | 75% | KES 1,000 – 250,000 | 100 – 360 days | 100+ |
| Momentum | Momentum Credit Limited | 42% – 79% | 79% | Not stated in the listing | 3 – 120 months | 100K+ |
| Elevate | Elevate Credit Limited | 79.7% – 99% | 98.969% | KES 5,000 – 100,000 | 61 – 180 days | 50K+ |
| M-KOPA | M-Kopa Loan Kenya Limited | 67% – 109% | 109% | KES 4,000 – 15,000 | 105 – 282 days | 5M+ |
| Little Pesa | Little Pesa Limited | Max 110% (short-term); max 72% (instalment) | 110% | Up to KES 200,000 (short-term) | 62 days (short-term); longer instalment loans up to 12 months | 100K+ |
| UbaPesa | UbaPesa Limited | 100% – 112.65% | 112.65% | Not stated in the listing | 61 – 90 days | 100K+ |
| Okolea Super | Okolea International Limited | 30% – 120% | 120% | KES 1,000 – 50,000 | 91 – 365 days | 5K+ |
| Hela Pesa | Hela Capital Limited | 30% – 180% | 180% | KES 500 – 200,000 | 90 days – 2 years | 500K+ |
| Senti | Senti Capital Limited | 90.17% – 192.5% | 192.5% | Not stated in the listing | 61 – 120 days | 50K+ |
| Tala | Inventure Mobile Limited (Trading as Tala) | 109.5% – 219% | 219% | KES 1,000 – 50,000 | Up to 120 days | 10M+ |
| Berry | Finberry Capital Ltd | 27% – 260% | 260% | KES 1,000 – 60,000 | 65 – 120 days | 100K+ |
| LendPlus | Aventus Technology Limited | Up to 547.5% | 547.5% | KES 1,000 – 150,000 | 61 – 365 days (incl. extensions) | 500K+ |
| Zash (also Meta Loan) | Zillions Credit Limited | Zash 274% – 1,500%; Meta Loan max 48% | 1500% | Zash KES 500 – 100,000; Meta Loan KES 1,000 – 80,000 | Zash up to 91 days; Meta Loan 91 – 365 days | 10M+ |
| Kashbean | Creditarea Capital Limited | 425% – 1,600% (representative) | 1600% | Up to KES 100,000 | Up to 91 days | 5M+ |
| Zenka (also Koro) | Zenka Digital Limited | 30% – 4,432% (effective) | 4432% | KES 500 – 200,000 | Up to 91 days (first loan 61 days on Koro) | 10M+ |
| Poa Pesa | Ajax Credit Kenya Limited | 24% p.a. interest (example) | Not stated | KES 6,000 – 40,000 | 100 – 300 days | 100K+ |
Frequently asked questions
Which loan app has the lowest interest in Kenya?
On published maximum APR, the lowest in our table are at the top. Your actual rate can be anywhere in the lender’s range.
Why do some apps show APRs above 100%?
Short loans with fixed fees convert to very high annual rates. A 15% fee on a 61-day loan is about 90% a year.
Are all these apps licensed?
Yes. Each lender is in CBK’s Directory of Digital Credit Providers (September 2026).
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Lenders’ Google Play listings, linked on each app page (checked 13 Oct 2026)
More: All loan apps · MMF rates today · CRB guide
