Cynthia Wandia
Updated 12.06.2025

Bad Credit Loans in Bungoma

Amount, KSh
70 000

Loans on the Same Day from 450,000 KES. Lower Interest Rates than Banks!

There’s no need to borrow from relatives, visit numerous financial institutions, or endure rejections. I offer you the necessary amount of money on loan at a minimal interest rate. Loan amounts range from 300,000 to 4,000,000 Kenyan Shillings, available within one day. Funds are provided on the basis of a national ID and social security card. No initial deposit, collateral, or guarantor is required, and your credit history or place of residence doesn’t matter.

I’m ready to discuss all the details over the phone or email, feel free to reach out anytime, I’m here to help everyone.

300 000 KSh
24 months
2,18% per annum

We assist you in obtaining a loan regardless of your credit history.

Requirements for potential clients: – Age between 18 and 70 years (inclusive); – National ID card with registration in the country (temporary registration is acceptable); – A second document confirming identity. Our advantages: – Processing and approval on the day of application; – No investments or upfront payments required; – Loan amounts up to 5,000,000 Kenyan Shillings for up to 7 years (with the option for early repayment); – Obtainable in your area of residence; – Past due loans and a poor credit history are not a problem! Contact us, we will definitely help! We guarantee quality and reliable service! Loans for Kenyan citizens.

15 000 KSh
32 months
11,67% per annum

Loan with a Promissory Note from a Private Investor

We offer genuine assistance in obtaining a loan of up to 3 million Kenyan Shillings. The decision on issuance is made within 2 hours. We address challenges such as: – Lack of income verification (Loan programs with no documentation required) – Over-indebtedness. – Bad credit history. – Existing arrears in banks and microfinance institutions. We will arrange the required amount with a partner bank. The success of the transaction is achieved through reliable agreements and partnerships with one of the Kenyan banks. Your personal visit to the bank is only necessary for collection. Support at every stage. We work without breaks on weekends and holidays. We offer loans daily. Contact us via email.

110 000 KSh
42 months
8,98% per annum

Hassle-Free Loans Available: Collaborating with Multiple Banks and Reliable Private Lender Options

Hello.
My name is Valentina Innocent. I offer services for arranging personal loans in Kenya.
These services are available to Kenyan citizens aged 21 to 65 who have permanent residence registration in their area.
The terms of service vary for each region.
I will review all inquiries promptly.
You will need to provide a set of documents (details will be discussed during our communication).
There are no advance payments required. You are only obligated to pay for the service once the bank has notified you of the approved loan.
Please contact me Monday to Saturday, with Sunday being a day off.
Inquiries should be sent to the email address provided.

250 000 KSh
10 months
9,76% per annum

Direct Application for a Loan

Regardless of your credit history, no need for bank statements or income verification. With a low interest rate on the day of application. No collateral, commissions, insurance, or other fees required. Notarized agreement in your city. Available for employed Kenyans aged 22 to 57, with no criminal record or seized assets. Only two documents needed to review the application. For any inquiries, please email at any time.

200 000 KSh
72 months
3,92% per annum

Bank Loan Through a Trusted Representative. Guarantor.

Quick financial assistance, credit with minimal paperwork for any situation. Maximum amount of 2,000,000 Kenyan Shillings, we guarantee approval and disbursement, even if there are issues with credit history and scoring. Reliable, legal, and facilitated with the assistance of bank staff. Applications via email.

80 000 KSh
21 months
12,97% per annum

Get a Private Loan Today Anywhere in Kenya.

Winter Offer from a Private Investor – Reduced Interest Rate
Get a loan from 300,000 to 4,000,000 KES for all regions in Kenya, ages 19 to 65. No collateral required. Quick processing through a credit agreement in just 1 hour. Credit history is not checked, approval even with existing defaults! All you need to receive the funds is your ID, a second document, and permanent registration. Visit us for processing after receiving preliminary approval. No advance payments required. Send your loan application via email. Available every day of the week.

140 000 KSh
72 months
3,47% per annum

Get a Loan in One Day with Guaranteed Approval.

We offer loans at a low-interest rate. To apply, you will need your ID card and a bank card for fund transfers. We provide services to all regions of Kenya. Approval is guaranteed for every client. Applications for loans are accepted via email.

90 000 KSh
6 months
17,91% per annum

Get Assistance in Securing a Loan Up to 30,000,000 KES from Bank Employees

Funds needed for work starting at 450,000 KES for a period of at least six months at 5% interest per month. Contract formalization is notarized.

40 000 KSh
56 months
22,46% per annum

Offering Personal Loans from Private Lenders with Reduced Interest Rates Until the End of the Month

Issuance of business development loans directly to your card, or for any other personal needs you might have. I work with clients from all regions of Kenya. Daily customer service is provided. I offer loans at interest, tailored to the amount you require. Detailed terms and procedures for disbursement are available via email.

70 000 KSh
14 months
10,71% per annum

Your loan has been approved, please visit the bank with your ID and an additional document to collect it.

I offer favorable loan arrangements for Kenyan citizens. I can assist even if you have a negative credit history. I won’t create unnecessary problems or deal in fake documents. Reach out for my help, and rest assured of your security: I don’t require advance payments, my clients don’t pay bribes to bank employees, and no kickbacks are involved. I only use transparent and legitimate methods. I secure approvals through a reliable bank. My clients can receive loans up to a maximum limit of 5,000,000 KES. Please note: I work with amounts not less than 200,000 KES. I utilize my influence with credit institutions to secure the best terms for my clients with minimal overcharges. Borrowers can choose a repayment period of up to 15 years. Please provide a standard set of documents for processing: your passport and ID card. I accept applications via email daily.

100 000 KSh
20 months
2,81% per annum

Assistance with Financial Matters

We offer assistance in obtaining a bank loan on special terms. Funds can be provided in cash or deposited into your account. For individuals, the amount can go up to 6,000,000 KES within 2 to 4 days, without the need for collateral. Borrowers with a bad credit history, as well as open and closed delinquencies, are welcome. We handle all challenges completely. Our services are only paid upon successful results. – Must have residency in Kenya. – Residing in Nairobi or its surroundings. – Age between 25 and 59 years. – Required documents: National ID and NHIF card. – No collateral or guarantors needed. Contact us. We can assist even in hopeless situations.

130 000 KSh
1 months
7,68% per annum

Loans for Everyone. No Credit History Required. Private Loan.

Hello! I work with a bank to tailor a personalized program for each individual. The main criteria for collaboration are as follows: 1. You must have an income that allows you to repay the loan. 2. You should not have any overdue debts with the bank I work with. 3. Borrowers should be between 18 and 65 years old inclusive. 4. No criminal record. I offer amounts from 15,000 to 300,000 Kenyan Shillings without strict checks. Amounts from 300,000 to 1 million Kenyan Shillings are possible and can be discussed individually. INTEREST RATE: 18% – 28%. Please send your requests via email. IN YOUR EMAIL, PLEASE INCLUDE: 1. Purpose of the loan 2. Duration and amount of the loan 3. Place of employment. Employment type. No advance payments! I do not charge for transfers, insurance, or fees. I work through a bank, and my commission, which starts at 20% after disbursement, depends on the complexity of the situation and is considered on an individual basis. For any inquiries, please contact me via email!

200 000 KSh
45 months
13,68% per annum

Quick and Risk-Free Loans for Borrowers

Urgent assistance in obtaining loans is available for all regions, including retirees, students, bank debtors, and individuals with criminal records. Your place of work and residence does not matter. Both bank loans and private loans are possible. Loan amounts available up to 3 million Kenyan Shillings. More detailed information can be provided via email and contact phone.

400 000 KSh
28 months
3,05% per annum

Looking for a Guaranteed Loan Approval? – Here’s an Offer for You.

Get your money super fast, right on the day of your application, without leaving the house. Upon approval, the money is transferred to your card. No upfront payment is required; all payments are made after you receive the money, not a moment before. We work with multiple regions. OUR CONTACT FOR APPLICATIONS: WhatsApp +254710123456

180 000 KSh
18 months
8,12% per annum
Borrower Rating Interest rate Amount
Caritas Microfinance Bank Limited
4.1,0/5 12,9% 4 400 000 KSh
SMEP Microfinance Bank Limited
5,0/5 0,9% 3 600 000 KSh
Faulu Microfinance Bank Limited
4.9,0/5 5,7% 1 700 000 KSh
Bank of Africa Kenya Limited
4.8,0/5 8,4% 2 100 000 KSh
Prime Bank Limited
4.2,0/5 7,4% 3 400 000 KSh
I&M Bank Limited
4.2,0/5 13,2% 1 000 000 KSh
Stanbic Bank Kenya Limited
4.4,0/5 9,6% 1 500 000 KSh
Absa Bank Kenya PLC
4.9,0/5 6% 3 600 000 KSh
Co-operative Bank of Kenya Limited
4.2,0/5 12,2% 1 200 000 KSh
Equity Bank Kenya Limited
5,0/5 12,5% 1 100 000 KSh
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