Best online Loan Apps without ATM Card in Kenya kenya

In Kenya mobile loan apps don't require customers to have ATM cards to borrow. Money is disbursed via M-PESA.

In this article I will therefore be telling you the best online loan app without ATM cards.

Mobile loan apps without ATM cards

Tala logo
Tala logo

Tala loan app 

Tala gives loan amounts up to Ksh50,000 disbursed instantly and directly to the borrower's M-Pesa account. No ATM is required to get Tala loan disbursed.

Branch loan app

With Branch,a customer can get up to ksh 300,000 . The money will be deposited into the borrower's branch account. 

A customer can then send the money to M-Pesa and withdraw for use.

Zenka loan app 

Zenka is a one of the popular loan apps in Kenya. The loan limit can go up to ksh 50,000.

You don't need an ATM card to apply for Zenka loans. 

Approved loan amount is disbursed directly to the borrower's M-Pesa account.

Timiza loan app

Timiza loan amounts can go up to ksh150,000. 

Approved loans are deposited into the customer's timiza account from where he or she can withdraw to M-Pesa for use.

Other online loan apps without ATM cards in Kenya include; 
  • Vooma loan app
  • Eazzy loan app 
  • KeCredit loan app 
  • Siyo Cash loan app
  • DirectCash loan app
  • SC Juza loan app
  • M-Shwari
  • KCBM-Pesa
  • Faraja loan
  • Hustler Fund
  • Fairkash loan app
  • FlashPesa loan app
  • Berry loan app
  • Lemon Cash loan app
  • Kashway loan app
  • Kashbean loan app 
  • Know know cash loan app
  • EasyKash loan app
  • EasyKash VIP loan app 
  • SongaCash loan app
  • Poa Cash loan app
  • Go Cash loan app
  • Mojacredit loan app 
  • Creditmoja loan app
  • Wooden loan app
  • Zuri Cash loan app


While all loan apps in Kenya don't require ATM cards,the above mentioned are the best mobile loan apps in Kenya.

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