Loans in Kenya: Types, Costs and How to Choose

Kenya has many borrowing options. This guide points you to the right ones.

Types of loans

Online, mobile, business, personal and more.

Choose by need

Match the loan to your purpose and your income.

Borrow safely

Check licensing, read total cost and never pay upfront fees.

Frequently asked questions

Last updated: October 2026. Loan Apps Kenya is an information website. We are not a lender and do not guarantee loan approval. ZangCash connects customers with independent businesses and providers. Borrow only what you can repay, and check that any lender is licensed by the Central Bank of Kenya (CBK) before you share personal details.