Obtain your first loan online rapidly: Just in 10 minutes!

Apply for a loan
Obtain your first loan online rapidly: Just in 10 minutes!

Key Advantages



Effortless and speedy, accessible from any location. Only one document required



Depend on our responsible lending and innovative solutions. We protect your privacy and assist in crises



Quick and easy solutions right from your home. We transfer funds instantly and offer loan prolongation

How to Apply


Enter Your Request in the App

Initiate your application on our app by completing the required form.


Awaiting Approval

Wait briefly for our decision, typically 15 minutes.


Obtain Your Funds

Secure your funds, generally processed in just one minute.

Download loan app

Customer Reviews


Marlice R.

Instant-loan.co.ke made the loan application process quick and hassle-free. I was able to borrow money within minutes and the funds were deposited into my account right away. Their customer service team was responsive and helpful throughout the entire process. I will definitely be using their services again in the future!


Rosalie N.

Applying for a loan with instant-loan.co.ke was a seamless experience. The website was user-friendly and the application process was straightforward. I was impressed by how quickly I received approval for my loan. I highly recommend using their services for anyone in need of quick financial assistance.


Shakir Rogers

I am extremely satisfied with the service I received from instant-loan.co.ke. The website was easy to navigate and the loan terms were clear and transparent. I appreciated how quickly I was able to access the funds I needed. Thank you, instant-loan.co.ke, for providing such a reliable service!


Adriaan O.

Instant-loan.co.ke exceeded my expectations in every way. The application process was quick and easy, and I was able to receive the funds I needed within hours. I was impressed by the professionalism and efficiency of their team. I will definitely be recommending instant-loan.co.ke to my friends and family!


Minenhle E.

The convenience of using instant-loan.co.ke for my financial needs was unmatched. The entire process was fast and efficient, and I was able to access the funds I needed for unexpected expenses. I appreciate the excellent customer service and support provided by instant-loan.co.ke. I will definitely be returning for future loan needs.

Enter Your Request in the App

Initiate your application on our app by completing the required form.

Download loan app

Online loans in Kenya via M-Pesa

  • Amount 500 KES to 30,000 KES
  • Minimum repayment period 61 days
  • Maximum repayment term 365 days
  • Interest rate 0,01% - 2% per day
  • Decision 5-15 minutes
  • Age of borrower 18-62 years old
  • Occupation Currently employed or with a stable source of income
  • Location Kenyans that are currently living in the Kenya
  • What are the requirements National ID, Mobile phone

The Benefits of Instant Loan in Kenya

Instant loans have become increasingly popular in Kenya due to their quick and convenient nature. These loans provide individuals with access to much-needed funds in a short amount of time, making them an ideal solution for emergency situations or unexpected expenses.

Quick Approval Process

One of the main benefits of instant loan is their speedy approval process. Unlike traditional bank loans, which can take weeks to be processed, instant loans are typically approved within a few hours or even minutes. This rapid approval time makes instant loans the perfect option for those in urgent need of funds.

  • Instant loans are processed quickly, providing borrowers with access to funds in a timely manner.
  • Applicants are often able to receive approval for instant loans online, making the process even more convenient.

Flexible Repayment Options

Instant loans in Kenya offer borrowers flexibility when it comes to repayment. Borrowers can choose repayment terms that suit their financial situation and budget, making it easier to repay the loan without causing financial strain.

Additionally, some instant loan providers offer the option to extend repayment periods or make early repayments without incurring penalties, giving borrowers more control over their finances.

No Collateral Required

Unlike traditional bank loans that often require collateral, instant loans in Kenya are typically unsecured. This means that borrowers do not need to put up any assets as security in order to qualify for a loan. This makes instant loans a more accessible option for individuals who may not have valuable assets to use as collateral.

  • Instant loans do not require collateral, making them accessible to a wider range of individuals.
  • Borrowers can qualify for instant loans based on other factors such as income and credit history.

Accessible to Individuals with Bad Credit

Another advantage of instant loans in Kenya is that they are often available to individuals with bad credit. Traditional banks and financial institutions typically require a good credit score in order to qualify for a loan, which can be a barrier for those with poor credit history. Instant loans, however, may be more lenient when it comes to credit requirements, making them a viable option for individuals who may have been denied by traditional lenders.


Instant loans in Kenya offer a range of benefits to borrowers, including quick approval, flexible repayment options, lack of collateral requirements, and accessibility to individuals with bad credit. These loans can provide much-needed financial support in times of need and offer a convenient and efficient solution for those facing unexpected expenses or emergencies.


What is an instant loan?

An instant loan is a type of loan that provides quick and easy access to funds. It is typically processed and approved within a short period of time, allowing borrowers to receive the money they need almost immediately.

How do an instant loan work in Kenya?

In Kenya, instant loans are typically offered by mobile lending apps. Borrowers can apply for a loan through the app, submit their personal and financial information, and receive approval (or denial) within minutes.

What are the requirements for obtaining an instant loan in Kenya?

The requirements for obtaining an instant loan in Kenya may vary depending on the lender, but generally include proof of identification, a mobile phone, a valid bank account, and a regular source of income.

How much can I borrow with an instant loan in Kenya?

The amount you can borrow with an instant loan in Kenya will depend on the lender and your creditworthiness. Typically, lenders offer loan amounts ranging from Ksh 500 to Ksh 100,000.

What is the interest rate on an instant loan in Kenya?

Interest rates on instant loans in Kenya can vary widely, but are often higher than traditional bank loans. It is important to carefully review the terms and conditions of the loan before agreeing to borrow money.

What happens if I can't repay my instant loan on time?

If you are unable to repay your instant loan on time, you may incur additional fees and penalties. In some cases, the lender may report your default to credit bureaus, which can negatively impact your credit score.