70 Loan Apps Without CRB Check in Kenya in 2025

Have you ever applied for an emergency loan only to be rejected because of a low CRB score? The Central Bank of Kenya (CBK) recently blocked some 70 mobile loan apps from accessing your CRB (Credit Reference Bureau) information or reporting you for late payments. These apps can no longer check your credit history or blacklist you based on your repayment record.

But, Mobile loan apps in Kenya still want to know your borrowing habits in order to know your creditworthiness and your loan limit.

As they are barred from accessing your CRB score, they rely on other information like your mobile money transactions – like your M-Pesa messages – to get a feel for your income, spending patterns and overall financial behaviour.

When you borrow with these apps, you will initially get a small loan but as borrow frequently, repay on time and build trust with the app, your loan limit will eventually increase.

Read also:

1. Bank of Africa Soma Student Loan, Features, Requirements
2. Stawika Loan App Download, Apply for Loan, Interest Rate

So, even with a low CRB score, you still have options for getting a loan in Kenya.

Just be sure to choose a CBK-approved app, borrow responsibly, and repay on time to build a good reputation with these lenders.

Non CRB loan apps in Kenya

Loan Apps that Never Check Your CRB Status to Give You a Loan

Here is a list of mobile loan apps that do not request your CRB status in order to grant you a loan. If you are looking for loan apps with USSD codes, please check this article: USSD Codes for Mobile Loan Apps in Kenya.

1. Afrika loans
2. Aspira
3. Branch Loan app
4. Carbon
5. Craft loan app
6. Dolax loan app
7. Duta
8. Eazzy Loans
9. Fadhili Loan app
10. Fair Branch: Instantly and Accurately
11. Fair Money
12. Fintech Loans
13. FlashPesa
14. Fuliza Branch
15. Fululiza Senti
16. Hela Pesa
17. HiCash Quick and Easy Loans to MPESA
18. Hikash
19. i-Save Mobile
20. Imarika Credit
21. Instant Cash- Reliable Money
22. Investor
23. iPesa
24. Izwa Loans
25. Kano Loan App
26. Kash Pesa Loans
27. Kashway
28. Kava Personal Loans
29. Kenya Quick Loan Shop
30. Kenya Quick Loans Market
31. Kopa Jirani
32. Kua
33. Kuwazo
34. Lendi Mkopo
35. Lendy Loans
36. LionCash
37. Loanika
38. Loans Chap Chap
39. M-Kopa
40. M-KOPAY
41. MB-Kash
42. MKash Bee
43. Mshiko Chap
44. Okash
45. Okoa 0% Interest Loans
46. Okoa Cash Loans
47. Okoa Pesa pap
48. Okolea
49. Okolea Quick Loans
50. Opesa
51. Palm Loans Kenya
52. PesaFlash
53. PesaPata
54. Peso Loans
55. Pezesha
56. Phedha Loans
57. Saida
58. Senti
59. Stawika
60. Tala Loan app
61. Top Loan Lenders
62. TumaPesa
63. Tunzi
64. UbaPesa
65. Umba (Formerly Mkopo Kaka)
66. Upazi loan app
67. Utajiri loan app
68. Zash Loan
69. Zenka Loan app

Best loan apps that don’t check your CRB status:

• Branch Loan app
• Zenka Loan app
• Tala Loan app
• Okash
• UbaPesa
• Stawika
• Eazzy Loans

Conclusion

The list above presents mobile loan apps in Kenya that never check your CRB status to offer you a loan. These apps rely on other means to measure your creditworthiness and how much initial loan to offer.

So, even with a low CRB score, you still have options to borrow an emergency loan in Kenya.

But, remember that even though these loan apps do not depend on your CRB status to grant loans, their interest rates are typically very high.

Borrow responsibly and only take what you can afford to repay.

See also:

1. CBK Licensed Loan Apps in Kenya
2. Stawika Loan App: Download, Apply, Repay Easily
3. How to Download Branch App and Apply for Instant Loan