MoneyHello
Get offers

Our Licensed Kenyan Credit Partners

We work with a network of Kenya's most reliable, Central Bank of Kenya (CBK) licensed digital credit providers and financial institutions.

Our platform lets you compare flexible, fast finance options that suit your personal budget or business cash flow. Every partner listed below is strictly vetted for regulatory compliance and consumer data protection.

Featured lenders in our network

Tala
Instant mobile loans, no paperwork

Tala

Tala is one of Kenya's pioneer digital credit providers, trusted by millions for fast, collateral-free mobile loans. By using advanced alternative mobile data scoring, Tala approves credit instantly, making it an excellent option for micro-entrepreneurs, small business owners, and individuals working to build up a positive credit history.

  • No paperwork, physical documentation, or office visits required.
  • Borrowing limits increase automatically over time with a clean history of on-time repayments.
  • Flexible repayment configurations designed to match your weekly or monthly income flow.
Disbursement Channel:Safaricom M-Pesa wallet
Time to Money:5–10 Minutes
Branch
Competitive rates, up to 12-month terms

Branch

Branch functions as a highly secure digital bank and licensed credit application operating across Kenya. They specialize in offering larger, structured personal loans and business growth capital directly through their platform, pairing smart credit matching with comprehensive digital wallet tools.

  • Offers some of the most competitive interest rates in the digital lending market.
  • Longer, structured repayment cycles stretching up to a full calendar year.
  • 24/7 dedicated in-app customer support dashboard for all borrowers.
Disbursement Channel:M-Pesa or linked bank account
Time to Money:10–15 Minutes
Zenka
High initial limits, flexible extensions

Zenka

Zenka is a fast-growing, highly flexible mobile loan application known for providing some of the highest initial borrowing limits in the Kenyan fintech space. The platform focuses heavily on transparent pricing structures and providing emergency short-term cash liquidity to borrowers.

  • Provides unique loan extension options if you experience an unexpected cash crunch and need more time to pay.
  • Straightforward, intuitive single-screen application flow.
  • No hidden management fees or account maintenance charges.
Disbursement Channel:Automated M-Pesa processing
Time to Money:5 Minutes
LendPlus
Fast, transparent short-term credit

LendPlus

LendPlus focuses heavily on providing quick financial relief and consumer short-term credit lines with an emphasis on speed and convenience. Their digital framework is heavily optimized for online-only applications with minimal automated processing wait times.

  • High-speed algorithmic review process that minimizes waiting times.
  • A dedicated user-friendly digital customer portal to easily track your balances and payment schedules.
  • Fair pricing transparently displayed upfront before you apply.
Disbursement Channel:Mobile money to your phone number
Time to Money:15 Minutes
Koro
Transparent fees, rapid approvals

Koro

Koro is a tailored digital credit provider targeting daily cash-flow management, personal emergency costs, and short-term utility buffers for everyday Kenyan consumers. They pride themselves on absolute transparency with zero hidden onboarding costs.

  • Fully transparent processing fee calculations displayed clearly inside the app interface.
  • Rapid automated credit approvals day or night.
  • Friendly SMS alerts and reminders to help you easily track upcoming payment deadlines.
Disbursement Channel:Mobile wallet transfer
Time to Money:10 Minutes
Daviva
Short-term loans for salary & business cycles

Daviva

Daviva offers niche, short-term micro-loans customized around working-capital cycles, salary advances, and immediate household financial support. It provides an approachable, entirely digital alternative to traditional microfinance institutions.

  • Specialized short-term repayment brackets closely tailored to align with regular monthly or bi-weekly paycheck schedules.
  • Simplified verification process designed for fast emergency access.
  • Obligation-free submission interface that lets you view terms before committing.
Disbursement Channel:Mobile money wallet
Time to Money:15–30 Minutes

Why We Only Work with CBK-Licensed Lenders

In Kenya's fast-moving digital finance space, borrowing from unlicensed apps can put your personal data and financial safety at serious risk. At MoneyHello, we maintain a strict zero-tolerance policy for unauthorized lenders. We deal exclusively with institutions formally licensed and regulated under the Central Bank of Kenya (CBK) Digital Credit Providers Regulations. What this means for your protection:

  • No Predatory Pricing: Your interest rates and processing fees are legally capped and monitored under strict CBK pricing guidelines.
  • Data Privacy & Anti-Harassment: Licensed providers are legally bound by the Kenya Data Protection Act. They are strictly forbidden from scraping your phone contacts or engaging in debt-shaming practices.
  • Total Transparency: Every fee, interest charge, and penalty must be clearly disclosed upfront before you sign. There are zero hidden administration or registration fees.

Ready to see which one is your perfect match?

Get my offers now