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Digital & Mobile Lending → Mobile Loan Apps

8 listings. One table.
Sorted by what matters.

Compare mobile loan apps across Kenyan banks, sourced from their own published rates, ranked lowest cost to highest, with fees shown next to the headline figure.

Mobile Loan AppsBuy Now, Pay Later
Lowest rate tracked today
1.0%
Zenka Kenya · mobile loan apps
8
institutions compared
29.0pp
spread, low to high

Verified. Every rate and fee below is sourced from the institution’s own published rates — see the “source” link on each row for where it came from and when we last checked.

8 listings · verified

Mobile Loan Apps, ranked

SORT
Lowest rate
ZK
Zenka Kenya
~1%/day on a loan of KES 500-30,000 over ~61 days. Aggregator-sourced — not confirmed against the provider's own published rate; verify before relying on it.
Verified
Verified 18 Sept 2026 · source
1%
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LK
LendPlus Kenya
0.9-1.5%/day on a loan of KES 1,000-150,000 over 61 days. Aggregator-sourced — not confirmed against the provider's own published rate; verify before relying on it.
Verified
Verified 18 Sept 2026 · source
1.5%
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AB
Absa Bank Kenya
1.083-2.96%/month plus a 5% facilitation fee (5% rollover fee if late). Loan sizes KES 50-1,000,000 over a 30-day term.
Verified
Verified 18 Sept 2026 · source
2.96%
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NB
NCBA Bank Kenya
7.5% one-time facility fee on the loan amount, up to the limit shown in-app. 30-day term; rollover fees apply after the due date, the limit is cut at 90 days unpaid and the account is cancelled at 120 days.
Verified
Verified 18 Sept 2026 · source
7.5%
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KB
KCB Bank Kenya
8.64%/month on a loan of KES 50-1,000,000. Aggregator-sourced — not confirmed against the provider's own published rate; verify before relying on it.
Verified
Verified 18 Sept 2026 · source
8.64%
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BI
Branch International Kenya
~17%/month on a loan of KES 250-70,000. Aggregator-sourced — not confirmed against the provider's own published rate; verify before relying on it.
Verified
Verified 18 Sept 2026 · source
17%
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TK
Tala Kenya
15-30% per loan term (approx. 180-360% APR). Loan sizes KES 1,000-50,000 (first loan usually 1,000-3,000) over 7/14/21/30-day options.
Verified
Verified 18 Sept 2026 · source
30%
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S(
Safaricom (M-Pesa)
Overdraft, not a fixed-term loan: 1% one-off access fee plus a daily fee by band — KES 0-100 free; 101-500: KES 2.50/day (3.00 incl. 20% excise); 501-1,000: 5.00 (6.00); 1,001-1,500: 18.00 (21.60); 1,501-2,500: 20.00 (24.00); 2,501-70,000: 25.00 (30.00). 3 free days' grace on the lower bands.
Contact bank for full rate
Verified 18 Sept 2026 · source
Tiered daily fee — see terms
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Every rate and fee above is verified against the institution's own published rates — see the source link on each row.

Frequently asked questions

How many mobile loan apps providers does WeCompare track?

We currently track 8 institutions offering mobile loan apps in Kenya.

What is the lowest-cost mobile loan apps rate right now?

Zenka Kenya · mobile loan apps, currently at 1.0%. Rates across the providers we track span a 29.0pp range — see the full ranked table below.

Is this mobile loan apps data real, or a sample?

Every listing on this page is real and verified — each row is checked against the institution's own published rate, with a source link and verification date.

How are mobile loan apps ranked on this page?

We sort by headline rate, lowest to highest, with the fee shown alongside so the ranking isn't just the biggest number. Sample/template rows are always pinned below real ones and never win the ranking.