Mobile Loan Apps Review – Kenya 2025

Mobile loan apps have revolutionized access to credit in Kenya. Here's a review of some of the top-rated apps available in 2025.

Top Mobile Loan Apps

• Branch: Offers loans ranging from KSh 250 to KSh 70,000 with flexible repayment terms.
• Tala: Provides quick loans with a user-friendly interface and transparent fees.
• Zenka: First-time users enjoy zero-interest loans; subsequent loans have competitive rates.
• Okash: Offers fast loan approvals with minimal requirements and automated disbursement.
• Chapeo Cash: Features quick approval times and flexible repayment options. Download on App Store.

Why Mobile Loans Are Popular

With over 60% of Kenyans using smartphones, mobile loan apps offer fast, convenient, and paperless borrowing experiences. These apps often don’t require collateral and cater to both salaried and self-employed individuals.

Tips for Using Loan Apps Responsibly

• Compare interest rates and fees before applying.
• Borrow only what you can repay comfortably.
• Check app reviews and developer credibility on Google Play or App Store.

Learn more about mobile loans in Kenya or visit our blog for more loan reviews.