Getting Loans While Blacklisted on CRB

A CRB listing can block traditional credit, but Kenyans have alternative borrowing routes. From peer‑to‑peer platforms to specialized lenders, here’s how to access funds even if you’re blacklisted :contentReference[oaicite:8]{index=8}.

1. Peer‑to‑Peer (P2P) Lending

P2P platforms match you with individual investors willing to lend without CRB checks. You’ll need proof of income or small savings; interest rates vary by match.

2. Mobile Loan Apps Without CRB Checks

• Zenka: First‑time loans at 0% interest, no CRB check required.
• Haraka: Instant amounts up to KSh 20,000, based solely on phone usage.
• Okash & FairMoney: Short‑term loans with APRs starting at 120%, but no credit bureau inquiry :contentReference[oaicite:10]{index=10}.

3. Secured Loans Against Assets

Use vehicle logbooks or title deeds as collateral to secure bank funding despite a CRB listing. Though higher risk, these loans often carry lower interest.

4. Employer Salary Advances

If your employer participates in check‑off schemes with banks like KCB or Absa, you can access salary advances that bypass CRB considerations.

Important Tips

• Borrow only what you can repay to avoid further listings.
• Dispute any incorrect CRB entries promptly to clear your name.
• Compare all fees—some high‑risk lenders charge exorbitant APRs.