Apps That Loan You Money Instantly Without A Job

Apps That Loan You Money Instantly Without A Job

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If you are looking for the best Loan Apps in Kenya That Don’t Check CRB, A high credit score is really necessary in order to obtain credit when you need it. Unfortunately, a low credit score can be a barrier to accessing traditional lending options for many people in Kenya. However, due to the proliferation of mobile lending apps, borrowers today have more choices than ever before when it comes to gaining access to loans.

The requirement for a check with a credit reference bureau (CRB) is one of the most significant drawbacks associated with these loan applications. Because of this criterion, obtaining one of these loans can be somewhat challenging for people who have a poor credit score. There is no need to worry about a CRB check if you use one of the mobile lending apps available in Kenya.

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We will present you with a full list of loan applications in Kenya that do not check CRB status throughout the course of this post. Access to credit can be gained through the use of these applications by anyone, regardless of their credit score.

Loan Apps in Kenya That Don’t Check CRB

These lending institutions are unable to access CRB records in Kenya since the Central Bank of Kenya has banned them from doing so. This is because the government of Kenya does not regulate these records and there have been cases in the past where they have been abused, which has led to an inability to establish the creditworthiness of clients in an accurate manner.


List of 67 Loan Apps in Kenya That Don’t Check CRB Status 2023

In Kenya in the year 2023, the following is an exhaustive list of mobile lending apps that do not check CRB status.

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

As can be seen, the loan applications in question are not backed by a commercial bank, which is the reason why they are unable to obtain CRB records. This step was made with the intention of shielding Kenyans from these loan applications.

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Because it is too unsafe for some lending apps to lend money to anyone without first doing a credit risk assessment, such applications have been shut down. Please do not download the app if it is not available through the Google Play store. Considering that Google pulled several of them from their own app store as well.

How to Pick the Right Loan Application When You Can’t Get a CRB Check

Because there are so many loan applications accessible in Kenya that do not demand a CRB check, it can be difficult to select the appropriate one to use. When choosing a loan application, here are some considerations to keep in mind:

Amount of the Loan

Take into consideration the quantity of the loan that you require, as well as whether or not the application for the loan can satisfy your requirements financially. It is imperative that you select a loan app that is capable of providing you with the amount that you require because some loan apps give bigger loan amounts than others.

A look at interest rates

Before settling on one particular loan program, it is essential to evaluate multiple options in terms of their respective interest rates. The interest rates that are offered by various loan apps are not the same, and selecting an app that offers a lower interest rate can help you save a significant amount of money over the course of the loan.

Repayment Period

A crucial component of the application for the loan is the repayment period. It is essential that you select a repayment term that is convenient for you and makes it possible for you to repay the loan without putting an undue burden on your budget.

User Reviews

Reading reviews written by other people who have used the loan app might give you an idea of how the app operates and whether or not you can rely on it. Look for reviews of the loan app on Google Play or the App Store and discover what other people’s experiences have been like using it. If an application for a loan has a lot of evaluations that are critical, you should probably look into alternative options.

Assistance to Customers

Pick a loan app that has a solid reputation for providing helpful support to borrowers. It is vital to find an app that can offer you with the assistance you need because it is possible that you will need assistance with the loan application or have concerns regarding the process of getting a loan. There are rogue customer care personnel working for some loan applications, and they can make your life miserable and even damage your reputation.


In conclusion, mobile loan applications in Kenya that do not verify CRB status are able to give you the financial support you require without the requirement of a credit reference bureau check being performed on your credit history. Using this extensive list of loan applications, you should be able to pick one that meets your requirements and provides you with the most favorable loan conditions.

Consider the loan amount, interest rates, repayment time, user reviews, and customer support before selecting a lending app to utilize. Keeping these considerations in mind will allow you to select a loan app that not only satisfies your financial requirements but also provides you with the most favorable conditions possible.

Remember that even if some loan applications might not require a CRB check, it is still extremely important to borrow responsibly and to borrow just the amount that you will be able to afford to return. Before agreeing to terms of a loan, you should never do so without first giving the agreement a thorough read and ensuring that you completely comprehend its contents.

We appreciate you taking the time to read this article about loan applications in Kenya that do not call for a CRB check. We really hope that you found this information to be useful in your search for the most suitable loan app for your requirements.

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