9+ Loan Apps Without CRB Check In Kenya

Here is a complete list of loan apps without CRB check in Kenya

Tunzi loan app logo
Tunzi Loan App formerly Utunzi Loan App

Lenders will always check with the Credit Reference Bureaus (CRB) to see how you as a borrower is performing as you interact with various lenders before making a lending decision  to you.

Borrowers hate this but it's a very important step while giving out loans. Credit History, Credit Score and Payment Performance Index are some of the important data CRB keep about a borrower.

Loan apps before Corona used to access CRB services, just like the regulated lenders in Kenya. Now all loan apps don't check CRB status before granting loans.

This move is after the Central Bank barred unregulated lenders including Loan Apps (digital lenders) and Credit-Only microfinance companies from access CRB services in April 2020.

9 Digital Lenders without CRB Check

I can say now that all loan apps (not run by commercial banks) do not check your CRB status to make a lending decision after you apply  for loans.

There are however some loan apps which just from the beginning never made lending decisions depending on CRB data. These lenders used other factors including the data on the borrower's smartphones and the information the borrower's supplied during registration.

These lenders however charged extremely high interest rates on the loan issued.

Another thing about the loan apps that never checked CRB status while giving out loans is that they normally charged some extra fees for example registration fees, appraisal fees or processing fees.

For the purpose of this article, here are the 9 (nine) loan apps that never check CRB Status; 

1. Tunzi Loan app (formerly Utunzi loan app)

One of the oldest loan app. This lender provides the fastest loans in Kenya together with Tala and Branch International.

2. Fadhili Loan app 

This lender gives fast affordable loans within minutes. Interest rates are low and repayment is up to 365 days.

3. Usawa Loan app 

Just like fadhili loan app ,loans from usawa can be paid after a while year. Disbursement is instant for anyone who qualifies.

4. Kano Loan App

Kano is like Upazi loan app . Loans are disbursed via MPesa within less than five minutes. Late payment can lead to incurring extra charges.

5. Upazi loan app 

Loans from this lender are instant. This is because,Upazi doesn't check any CRB status.

6. Dolax loan app

Dolax is also an old app just like tunzi. Loan disbursement is quick and repayment duration is from 91 days to a whole year (12 months).

7. Craft loan app

This is another version of Tunzi. Probably run by the same managers. The app is good because borrowers don't have to score high in CRB 

8. Utajiri loan app

Utajiri loans are quick when it comes to disbursement. Application is easy too.

9. Jazika Loan app

This mobile money lender is known for being less strict in issuance of loans. 

More of the loan apps without crb check in Kenya include; 
  • Kua loan app
  • CashSpree loan app
  • MyKeS loan app
  • M-Kash loans app
  • Boresha loans app
  • Okoa loans app
  • Inua Funds loans app
  • Inuka Funds loan app
  • Azimio loans app
  • Mkopo cash loan 
  • iUpesi loan app
  • Mkopo loan app 
  • Tele loan app
  • Onkredit loan app
  • Izwa loans app
  • Beta loan app
  • Topkash loan app
  • iKsh loan app
  • Easy Kash loan app
  • Ezesha loan app
  • Statloans app
  • Cash4u loan app
  • Me-Pesa loan app
  • Jiajiri loan app
  • Pronto loan app
  • MB-Kash loan app
  • Misspesa loan app
  • Pesa Pewa loan app
  • Chappaa loan app

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