Cynthia Wandia
Updated 12.06.2025

Bad Credit Loans in Kenya

Amount, KSh
70 000

Financial services for Kenyan citizens, loans and advances without prepayment

Unsecured Loans with No Guarantors. Clear Terms. No Hidden Fees. Minimal Documentation and Checks. An Excellent Option for Those Denied by Banks for Various Reasons. We Work with Stop Lists and Blacklists. Partnering with Banks That Approve. Email for Details.

50 000 KSh
8 months
6,18% per annum

Private Lender Loans Available, Regardless of Credit Score or Financial Obligations

I offer cash loans from a private investor ranging from 30,000 to 4,000,000 with minimal interest rates. Loans are available to Kenyan citizens without the need for collateral or any additional fees. All that’s required from you is to make monthly payments on time.

I work with those who are unofficially employed and even those on a blacklist. Your loan application will be 100% approved. I realistically assess the situation in the credit market and am ready to help in difficult situations. The age of the borrower must be up to 68 years. A contract will be signed between both parties. All you need to receive the funds is an ID and a second document.

If you need an urgent loan, please contact me via email, and I will respond within 9 minutes.

I am available every day. Submit your application now!

100 000 KSh
150 months
7,07% per annum

Advance payments, buying certificates, fees, and more are just scams, and it’s terrible!

I offer loans on reasonable terms, with large amounts and flexible durations. I do not send mass mailings to banks or similar organizations. Your credit history can be of any kind. Your region of residence does not matter. I operate throughout Kenya and neighboring countries. My focus is on results. The process is quick, and you can receive the loan on the same day you apply. Please send any questions to my email provided in the advertisement.

500 000 KSh
12 months
6,93% per annum

Professional Loan Assistance. Any Credit History

Are you having trouble obtaining a loan? With us, bank loans have become easy to arrange and accessible to everyone! We offer low interest rates and favorable conditions! No guarantors, advance payments, collateral, or hidden fees. We’ll help you secure a bank loan on the day of your application, wherever you live! We provide professional assistance to borrowers with open arrears, poor credit history, heavy debt burden, and those working unofficially without income verification. By providing a minimal set of documents, with our help you can be sure to obtain a loan from 150,000 to 10,000,000 Kenyan shillings in cash for any purpose. We work efficiently and guide you at every stage: from document collection and application submission to receiving your borrowed funds. Send your loan applications to us via email, and we’ll promptly begin our collaboration:

350 000 KSh
64 months
8,54% per annum

Guaranteed Loan Approval with Bad Credit History!

We engage directly with clients. We offer loans without any upfront payments or charges for various documents. We work with diverse clients and resolve any issues that may arise. We handle large amounts. Feel free to contact us, we operate across all regions of Kenya. We assist almost everyone. With us, everything is transparent. We are waiting for you.

50 000 KSh
60 months
22,99% per annum

Private and Bank Loans for Individuals

Assistance in Obtaining a Loan with a Poor Credit History

Official assistance in obtaining a loan under favorable and transparent conditions: We work for results. We collaborate directly with bank executives. Beneficial and clear terms of the deal. Quick decision on the application (15 minutes). Loan limit from 150,000 to 4,500,000 KES, with a low interest rate and for a long term.

We deal with cases such as: poor credit history; lack of official employment; high debt load; no credit history.

The commission for loan assistance is reasonable; No employment verification required! No collateral or prepayment needed!

170 000 KSh
50 months
22,99% per annum

Get a Loan with Current Delinquencies. No Upfront Fees. Fast and Reliable.

Attention, this offer is limited and valid for only one month! I work with all regions. A personal meeting is welcome, but remote arrangements are also possible. I offer amounts up to five million Kenyan Shillings with an interest rate of 10 percent per annum. The maximum loan term is 7 years, and the minimum is six months! I don’t look at credit history; the main thing is not to have any convictions or legal issues. The rate is fixed and does not change for the entire duration of the loan. Arrangements are made through a notary. For terms, please contact via email.

400 000 KSh
48 months
10,38% per annum

Loans Available for Those with Bad Credit History

Private Cash Loans for Everyone A reliable type of financing that guarantees 100% approval, even for those with debts, unemployed individuals, and those with a negative credit history. No rejections or upfront payments required. Minimal documentation needed for application, only requiring a national ID and a secondary form of identification. Eligible ages range from 18 to 70 years. Loan amounts up to 3,000,000 KES. Available in all regions of Kenya. To swiftly resolve financial challenges, send your application for approval via email. Please include your full name, the amount needed, and your preferred repayment period in the email. Alternatively, you can call the number provided.

100 000 KSh
60 months
2,44% per annum

Loans for Unemployed Kenyans with Good Credit History and Valid Registration

If you need a large amount, contact us. We assist in getting your loan approved by submitting applications directly through our bank’s security service. All borrowers receive guaranteed approval! The current bank rate is 10%. You can secure up to 7,000,000 Kenyan Shillings for any consumer needs. A 10% kickback applies to the obtained credit. There are no upfront payments for anything! No collateral or guarantors are required. Funds can be disbursed in Nairobi or Mombasa (your choice).

90 000 KSh
20 months
1,75% per annum

Get Approved First, No Upfront Fees Second! No Official Job Required, No Need to Buy Proof!

Solve your credit issues on the same day you apply. We assist citizens aged 18 to 64 in obtaining a guaranteed amount from 100,000 to 1,000,000 Kenyan shillings. Your credit history does not matter. Contact us and receive your funds within a day. Your region of residence is not important. Call or email us to apply. No mass mailing; we submit your application to a single bank.

50 000 KSh
18 months
3,47% per annum

Get a Loan with Two Documents: Genuine Assistance for All Borrower Categories, No Advance Payment Required

Financial Assistance! Our brokerage firm has been providing loans for over 10 years with no hidden fees or advance payments. We consider all Kenyan citizens. Loan issuance is done in Nairobi. The loan amount depends on your credit history. Consultation available by phone.

160 000 KSh
40 months
16,29% per annum

Get a Loan with a Promissory Note

Get up to a million Kenyan shillings without paperwork, collateral, or guarantors, and it’s very easy. Are you a citizen of Kenya? Are you over 23 years old? Need money urgently? We will assist you within an hour without sending requests to banks. Private funds without advance payment and collateral. Directly to your bank card. Payment to us after you receive and finalize the deal. For any inquiries, contact us via email, and we’ll respond immediately. Write to us, leave an application, and receive the amount on your card. Your credit history can even be very negative; we do not check it.

40 000 KSh
48 months
9,59% per annum

Getting a Private Loan is a Smart Solution for Financial Challenges

I provide loans to individuals with outstanding debts. As an employee of one of the leading banks in the country, I offer loans at an annual interest rate of 9% to all residents of Kenya. The loans are officially processed through the bank, with an approval time of 1-3 days. Cash disbursement is done in the bank upon signing a contract. A commission of 10% is required strictly after receiving the loan. Note: Do not trust those who promise you quick loans to your card or those who claim to offer several million without collateral. These are fraudsters looking for advance payments or your personal documents. I operate without any advance fees for amounts up to 1 million Kenyan Shillings for clients with a poor credit history. For those with a positive credit history, loans are available up to 3 million Kenyan Shillings. An official contract is signed with the bank upon receipt of the loan. No advance payments or hidden fees involved. Real assistance is available to regions where my bank operates. Please contact via email.

400 000 KSh
96 months
7,39% per annum
Borrower Rating Interest rate Amount
Rafiki Microfinance Bank Limited
4.4,0/5 10,7% 3 300 000 KSh
SMEP Microfinance Bank Limited
4.7,0/5 7,3% 2 200 000 KSh
Faulu Microfinance Bank Limited
4.3,0/5 4,3% 200 000 KSh
Bank of Africa Kenya Limited
4.3,0/5 2,8% 2 000 000 KSh
Prime Bank Limited
4.2,0/5 8,4% 2 000 000 KSh
I&M Bank Limited
4.9,0/5 0,6% 3 200 000 KSh
NCBA Bank Kenya PLC
4.3,0/5 7,9% 800 000 KSh
Standard Chartered Bank Kenya Limited
5,0/5 14,9% 3 500 000 KSh
Absa Bank Kenya PLC
4.3,0/5 13,1% 4 000 000 KSh
Equity Bank Kenya Limited
4.7,0/5 9,8% 4 100 000 KSh
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