Quickly secure your first online loan in 10 minutes – Apply now

Apply for a loan
Quickly secure your first online loan in 10 minutes – Apply now

Why Choose Us



Simple solutions quickly available at your fingertips. Apply with just one document



A responsible lending approach with a focus on security. We safeguard your information and provide help in tough spots



Get fast and simple solutions without stepping out. Instant fund transfers with options to extend loans

How to Apply


Make a Request via the App

Enter your application details in the app by filling out the form.


Stay Tuned for the Decision

Hold on for our response, coming in just 15 minutes.


Secure Your Funds

Receive the transfer, usually completed within one minute.

Download loan app

Customer Testimonials


Zea Witbooi

Applying for a loan at instantloans.co.ke was a breeze! The website was user-friendly and I received approval in no time.


Francois M.

I was in a financial bind and instantloans.co.ke came to my rescue. The process was quick and easy, and the funds were deposited into my account promptly.


Phillippus Kuiper

The customer service at instantloans.co.ke is top-notch. The representatives were friendly and helpful, making the whole experience seamless.


Lemae H.

Thanks to instantloans.co.ke, I was able to take care of my unexpected expenses with ease. I highly recommend their services to anyone in need of quick financial assistance.


Thys R.

I have used other loan services in the past, but instantloans.co.ke exceeded all my expectations. Their efficiency and professionalism truly set them apart from the rest.

Make a Request via the App

Enter your application details in the app by filling out the 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

Exploring the Benefits of Instant Loans in Kenya

Instant loans have become a popular financial solution for many Kenyans in need of quick cash. These loans offer a range of benefits that make them a convenient and useful option for individuals facing unexpected expenses or financial emergencies. In this article, we will delve into the advantages of instant loans in Kenya and how they can benefit borrowers in various situations.

Fast Approval Process

One of the main advantages of instant loans in Kenya is the quick approval process. Unlike traditional loans that can take weeks to process, instant loans are typically approved within hours or even minutes. This fast approval time makes them an ideal option for individuals who need immediate access to funds to cover urgent expenses such as medical bills, car repairs, or utility payments.

  • Majority of instant loan providers in Kenya offer online applications, making it easy for borrowers to apply from the comfort of their homes or offices.
  • Applicants are often required to provide basic information such as proof of identity, proof of income, and bank account details to complete the application process.
  • Once the application is submitted, lenders typically review the information and make a decision on the loan application quickly.

Flexible Terms and Conditions

Another benefit of instant loans in Kenya is the flexibility they offer in terms of loan terms and conditions. Borrowers can choose loan amounts, repayment periods, and interest rates that suit their financial situations and needs. This flexibility makes it easier for individuals to find a loan that matches their specific requirements and budget.

Additionally, instant loans in Kenya come with varying repayment options, including weekly, bi-weekly, or monthly installments. This allows borrowers to choose a repayment schedule that aligns with their income and ensures timely repayment without straining their finances.

Convenient Access to Funds

Instant loans in Kenya provide borrowers with convenient access to funds when they need it most. With many loan providers offering mobile apps and online platforms, borrowers can easily apply for a loan, track their application status, and receive funds directly into their bank accounts without visiting a physical branch.

  • Some instant loan providers in Kenya also offer instant disbursement services, allowing approved borrowers to access funds immediately upon approval.
  • This quick access to funds makes instant loans an ideal solution for individuals facing unforeseen expenses or emergencies that require immediate financial assistance.
  • Borrowers can use the funds from instant loans for a variety of purposes, including covering medical expenses, consolidating debt, paying for education fees, or making home improvements.


Overall, instant loans in Kenya offer a range of benefits that make them a valuable financial tool for individuals in need of quick cash. With fast approval processes, flexible terms and conditions, and convenient access to funds, instant loans provide borrowers with a reliable and efficient solution for managing unexpected expenses and emergencies. Consider exploring instant loan options in Kenya to access the financial assistance you need without unnecessary delays or hassles.


What are instant loans in Kenya?

Instant loans in Kenya are small, short-term loans that can be approved and disbursed quickly, usually within a few hours or even minutes. These loans are typically offered by mobile loan apps and online lending platforms.

Who can apply for instant loans in Kenya?

Anyone who is a resident of Kenya, over 18 years old, and has a valid national identification card can apply for instant loans in Kenya. Some lenders may also require applicants to have a mobile phone and a good credit history.

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

The amount you can borrow with an instant loan in Kenya varies depending on the lender and your creditworthiness. Typically, loan amounts range from as low as Ksh 500 to as high as Ksh 100,000 or more.

What is the repayment period for instant loans in Kenya?

Repayment periods for instant loans in Kenya are usually short and can range from a few days to a few months. Some lenders may offer flexible repayment terms, allowing borrowers to choose their preferred repayment period.

What are the interest rates for instant loans in Kenya?

Interest rates for instant loans in Kenya can vary widely between lenders. However, they are generally higher than traditional bank loans due to the convenience and speed of disbursement. It is important to compare interest rates from different lenders before applying for an instant loan.

What are the eligibility criteria for instant loans in Kenya?

The eligibility criteria for instant loans in Kenya may vary depending on the lender, but common requirements include being a Kenyan resident, having a valid ID card, being over 18 years old, having a mobile phone, and having a good credit history. Some lenders may also require applicants to have a source of income.