Cynthia Wandia
Updated 12.06.2025

IOU loan Kenya

Amount, KSh
70 000

Private Loan with Interest.

Fast financial assistance for everyone! Accessible loan offers without upfront fees or hidden charges on the day you apply! We have the best lending terms and the lowest interest rates on loans! We can help you regardless of your credit history or existing overdue payments. Even if you’re not officially employed or have no income proof, we assist borrowers with high debt-to-income ratios. We facilitate bank loans, high-limit credit cards, find credit sponsors, arrange private loans, and refinance your current debts. No guarantors or collateral needed! We collaborate with all regions in Kenya. Loan amounts range from 30,000 to 10,000,000 Kenyan Shillings. Cash or direct to your card for any purpose. With minimal documentation required, securing a loan product with our help is now more beneficial, quicker, and simpler! We guarantee a professional approach and quality service! To use our services, contact our manager via email.

100 000 KSh
11 months
19,97% per annum

We offer car loans to any citizens. No credit history checks, no queues. Only with a national ID.

Get a loan quickly and securely without collateral or guarantors. Enjoy the best conditions in the lending market. We do not consider our clients’ credit history and work with borrowers with challenging credit situations, including those on stop-lists and blacklists. Interest rates do not exceed 20% per annum, depending on the loan amount and terms. Borrow any amount for any of your needs with no limits!

100 000 KSh
24 months
15,40% per annum

Assistance in Obtaining a Loan with Any Credit History. Guaranteed.

We provide loans on the same day you apply, working efficiently and seamlessly. We know our business well and have the necessary connections with banks. No mass mailings or upfront payments of any kind, our lending terms are completely transparent. From KES 200,000 to KES 5,000,000 with a Kenyan ID and any other second document. We operate both in Nairobi and regions where our partner banks have branches. We accommodate credit histories of any complexity. Please contact us via email.

190 000 KSh
120 months
6,62% per annum

Fast and Reliable Credit Services. Expert Assistance for a Small Fee Upon Receiving Funds.

Real assistance with loan processing without any upfront fees. You can receive up to KES 2,000,000. We work with individuals who genuinely need a loan HERE and NOW. We collaborate with leading banks in the personal lending sector. Complete range of lending services within 1-2 business days! We provide loans even to clients with the most desperate situations:
– Credit burdens.
– Overdue loan payments.
– Blacklist, stop list, court orders.
– We’ll assist even if you’ve been refused everywhere else!
For all citizens of Kenya, we have extensive experience in dealing with the most challenging cases! We value our reputation. Write to us via email or call us. We will help.

200 000 KSh
42 months
4,25% per annum

Urgent Assistance with Approval for Bad Credit History

We offer services for obtaining credit funds. Loans are available regardless of your credit history or region. You will need to provide your ID and bank details. We look forward to receiving your emails.

130 000 KSh
5 months
2,76% per annum

Offering Personal Loans at Reasonable Interest Rates.

I will assist Kenyan citizens in securing a loan, even if you have circumstances that prevent you from applying to financial institutions independently. Your credit history, income, and employment status do not matter. No guarantors or collateral are required. The loan will be approved on the same day of your application within your local region. No need to purchase documents or pay for translations, etc. My service fee is only applicable upon your loan approval by the bank. Until then, there are no charges! When reaching out, please provide your full name, age, place of residence, and desired loan amount. Send inquiries via email.

190 000 KSh
42 months
24,17% per annum

Getting a Loan is Our Job, Not Your Hassle! No Upfront Fees Required!

Solve your financial challenges today!
– We handle all issues (poor credit history, overdue payments, debts…)
– Get a loan approval without leaving your home
– Just an ID and one additional document, no extra paperwork
– Available across all regions and cities
– Ages from 18 to 75 inclusive
– Options for both bank and private lending
For full details, contact us via email or phone.

30 000 KSh
108 months
1,49% per annum

Get an Instant Consumer Loan Approved in Your Local Area

We have the ability to assist even the most challenging category of clients. Poor credit scores, high debt levels, and overdue credit obligations are not an issue; everything is manageable. We operate through a variety of credit programs, within which debtors, those previously declined, and those with informal employment can expect to receive a certain amount. We handle the process with just two documents, without requiring proof of income. We do not ask for payment of our services in advance; all transactions occur only after the credit funds have been disbursed to the client. We can arrange from 10,000 to 500,000 KES on the day of application submission. Please contact us via email.

80 000 KSh
24 months
1,44% per annum

All You Need is a National ID to Get a Loan Today

Processing and issuance of loans. This offer is available for all regions in Kenya. If you need money, send a request for detailed terms to my email. If you have not received your loan yet, it means you haven’t contacted us. We work without advance payments. Payment is made after the issuance.

5 000 KSh
18 months
7,53% per annum

We Assist in Obtaining Loans for Everyone, Guaranteed Approval.

We are equipped to provide assistance to even the most challenging category of clients. Poor credit scores, heavy debt, and overdue credit obligations are not a problem; everything can be resolved. We offer a wide range of credit programs, within which debtors, those who have been denied elsewhere, and those unofficially employed can apply for various amounts. We process applications with just two documents and without income verification. We do not require payment for our services in advance; all transactions are conducted only after the client has received the loan amount. We can process amounts from 200,000 to 5,000,000 Kenyan Shillings on the day of application submission. Please contact us via email.

60 000 KSh
110 months
26,75% per annum

We offer comprehensive assistance in obtaining a loan without a negative credit history

We assist in difficult situations to obtain funds. The main obstacles to getting a loan when independently approaching a bank: – High debt load. – Bad credit history. – Your credit has been handed over to collectors. – No official income. – High number of rejections from banks. We will solve your problem in the shortest possible time. We consider clients with Kenyan citizenship, aged 21 to 65 years. Loan amounts from 100,000 to 5,000,000 Kenyan shillings. Processing on the day of application. Disbursement within up to 3 days. Contact us via email daily.

70 000 KSh
6 months
7,07% per annum

Fast and Efficient Credit Approval Through Our Bank Channels Without Queues or Paperwork in Kenya.

Money for any purpose from a private individual. Arrangements made with a promissory note without the need for collecting documents. Your request will be considered within an hour. You can send your application via WhatsApp to +254715566474.

130 000 KSh
54 months
7,53% per annum

Looking for Ways to Secure a Loan? Here’s a Guaranteed Approval!

I provide private loans without requiring guarantors or collateral. Your credit history will not affect the decision; I work with both clean and blacklisted credit records. This is not a bank service; there are no intermediaries as you work directly with the lender. Services are available in almost all regions of Kenya. Loan amount, terms, and interest rates are customized for each client. Processing is done on the day of application! Available on holidays and weekends.

40 000 KSh
48 months
4,09% per annum
Borrower Rating Interest rate Amount
Rafiki Microfinance Bank Limited
5,0/5 11,7% 1 100 000 KSh
SMEP Microfinance Bank Limited
4.6,0/5 14% 3 000 000 KSh
Kenya Women Microfinance Bank PLC
4.8,0/5 0,4% 100 000 KSh
Bank of Africa Kenya Limited
4.3,0/5 14,8% 4 600 000 KSh
SBM Bank Kenya Limited
4.5,0/5 1,4% 1 400 000 KSh
Family Bank Limited
4.6,0/5 6,5% 4 600 000 KSh
Diamond Trust Bank Kenya Limited
4.7,0/5 7,3% 4 200 000 KSh
Stanbic Bank Kenya Limited
4.5,0/5 2,9% 4 700 000 KSh
Absa Bank Kenya PLC
4.9,0/5 7,5% 3 900 000 KSh
Co-operative Bank of Kenya Limited
5,0/5 14,6% 400 000 KSh
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