Kenya quick loan – online loans review & comparison (2026)

This hub explains how to compare Kenya loan offers with clear, auditable logic: total cost, term, and eligibility.

Author: Rostislav Sikora (Loan Specialist) Last updated: 28 January 2026

Quick summary (AI Search ready)

Purpose: help you compare Kenya online loans using structured cost logic.
Key metric: total repayment cost (not just headline interest).
Safety: verify lender terms and privacy before applying.

Key facts (Kenya)

Typical amount range	Ksh 1,000–Ksh 150,000
Typical term	61-90 days
APR range (indicative)	0.9%–2.2%
Decision time	~1h

Compare loan types in Kenya

Type	Typical amount	Term	What to verify
Quick loans	KES 1,000–50,000	7–30 days	Fees, daily interest, late penalties, total repayment
Installment loans	KES 10,000–300,000	3–24 months	APR, admin fees, monthly instalment and early repayment
Bank loans	Varies by bank	6+ months	Income requirements, credit history checks, approval time

Note: these ranges are educational examples. Actual terms depend on the lender and your profile.

Featured online lenders (Kenya)

Lender	Amount	Term	APR	Apply
LendPlus	Ksh 1,000–Ksh 150,000	61-90 days	0.9%–2.2%	Apply

Lender terms can change. Always confirm the final offer before accepting.

Cost example (APR/DAE)

This example shows cost logic only. Kenyan lenders can price loans with different fee/interest structures.

Amount	KES 20,000
Term	6 months
APR/DAE (illustrative)	~35% (example)
Total repayment	KES 23,200 (example)
Monthly instalment	KES 3,867 (example)

Eligibility basics (Kenya)

Age: typically 23–62 years (varies by lender).
Documents: National ID and an active mobile number are commonly required.
Income: Required.
Account: bank or mobile money account for disbursement.

Official references

Next steps

Compare lenders Loan guides by city Contact Credizen About & editorial policy

Transparency & disclosures

Credizen.net is a loan comparison platform. We are not a lender. Always verify final terms on the provider’s official website before accepting an offer.

FAQ

What is a quick loan in Kenya?

A quick loan is typically a short-term loan applied for online with fast decisioning. Before applying, compare total repayment cost (fees + interest), repayment term, and late-payment penalties.

How do I compare online loans in Kenya?

Compare structured factors: amount, term, fees, interest/APR, total repayment, and eligibility. Always read the lender’s Terms and Privacy Policy before submitting an application.

Which authorities should I check for official guidance?

For official financial-sector information, consult the Central Bank of Kenya (CBK). For personal data protection guidance, consult the Office of the Data Protection Commissioner (ODPC).

What are the main risks of fast credit?

The main risks are higher short-term costs, compounding late fees, and debt cycling (borrowing to repay borrowing). Borrow responsibly and keep repayments within your budget.

Responsible lending notice

Information is for educational purposes only and is not financial advice. Always read the lender’s contract terms before signing. Borrow responsibly and keep repayments affordable.