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MoneyHello is a free service. We may receive compensation from lenders.
MoneyHello is a free loan matching service and not a licensed digital credit provider, financial institution, or lender. Interest rates, processing fees, and monthly service charges are determined solely by the final lending institution that approves your application. The Annual Percentage Rate (APR) and payment terms offered by our partner network comply strictly with the Central Bank of Kenya (CBK) Digital Credit Providers Regulations and applicable consumer protection laws.
Interest Rates: Representative APR of 36%. Terms: Repayment periods range from 3 to 72 months.
Example: A loan of Ksh 10,000 over 6 months with a representative APR of 36% has an approximate monthly repayment of Ksh 1,845 and a total repayment amount of Ksh 11,070, including all processing fees and interest charges.
Company Information: MoneyHello.ke is operated by SIA FINLEADGLOBAL, a digital marketing and financial technology entity registered in the Republic of Latvia under business registration number 40203721183.
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Wondering how to get an online loan in Kenya?
See how MoneyHello matches you with CBK-registered lenders in 3 simple steps. No paperwork, no stress
Use our simple online slider to choose your borrowing amount and fill out a quick, single application form. It takes under 2 minutes, is entirely digital, and requires no messy paperwork to get started.
Under 2 minutes
No credit impact.
Our technology instantly scans the Kenyan market of registered credit providers to match your financial profile with lenders most likely to approve you. We only connect you with trusted, CBK-compliant institutions.
Trusted providers only
Clear rates upfront
Review the customized loan offers presented to you. There is zero obligation. If you find a match that fits your budget, complete the lender’s final checks to receive instant cash payouts directly into your M-PESA account or bank account.
Instant cash payouts.
We aren't just another faceless finance site.
We're your partner in navigating the Kenya lending world.
Our platform is completely free for consumers to use. We do not charge any hidden fees, application costs, or brokerage percentages. We earn a small fee from our lending partners, meaning our service remains entirely free for you.
Your financial safety is our absolute priority. We strictly partner with lenders registered with the Central Bank of Kenya (CBK). This ensures you are protected against reckless lending and unfair interest rates.
We understand the sensitivity of your personal and financial information. Our website uses advanced 256-bit SSL encryption to secure your data transfer. Your data is handled strictly in accordance with Kenya privacy regulations.
We believe finance should be transparent and easy to understand. If you've got a question that isn't covered here, feel free to reach out – we're here to help!
The Basics
MoneyHello is a free online loan matching platform. We are not a lender or a digital credit provider ourselves. Instead, we use smart technology to instantly match your loan application with Kenya’s leading licensed digital credit providers, commercial banks, and microfinance institutions to help you find the best rates available.
No, our service is 100% free for consumers. We will never ask you for an upfront fee, registration charge, or broker commission. We earn a small referral fee directly from our lending partners when a loan is successfully disbursed, ensuring the platform remains free for you to use.
Absolutely not. Using our platform to check for loan matches is entirely obligation-free. Once we display your customized offers from Kenyan lenders, it is completely up to you whether you want to proceed with their final terms or simply walk away.
Eligibility & Credit
Checking your initial offers through MoneyHello does not impact your credit score. We perform a soft search to match you with available lenders. However, if you choose to accept an offer and proceed with a final application directly with a specific lender, they may perform a formal credit check with a licensed Credit Reference Bureau (CRB) in Kenya.
To use our platform and match with Kenyan lenders, you generally need to:
We partner with a wide variety of credit providers in Kenya, some of whom specialize in alternative credit scoring models or distress funding. While being negatively listed on the CRB can make approval more difficult, it does not automatically disqualify you from receiving smaller mobile cash loan offers through our network.
Speed & Payouts
Through our Kenyan partner network, borrowing limits generally range from short-term emergency mobile cash loans starting at Ksh 1,000, up to larger structured personal or salary loans of up to Ksh 200,000 depending strictly on your verified income level and credit history.
Because MoneyHello is a matching service, the final interest rate, processing fees, and payment schedule are set directly by the lender who approves your application. All our partner lenders operate in accordance with the Central Bank of Kenya (CBK) Digital Credit Providers Regulations to ensure transparent, fair pricing before you sign any contract.
