Cynthia Wandia
Updated 12.06.2025

Bad Credit Loans in Kisumu

Amount, KSh
70 000

I can offer financial assistance in obtaining a loan without upfront fees

My name is Alex. I am a private lender offering loans to Kenyan citizens throughout Kenya. There are no fees or advance payments required before you receive the loan. I offer loans ranging from 300,000 to 30,000,000 Kenyan shillings at an annual interest rate of 11%. Additionally, the loan can be arranged with the option for early repayment. You will only need your ID as documentation; I provide loans to individuals with a poor credit history and past dues. However, I do have one requirement for borrowers:

— The borrower must be financially capable.

This means the borrower’s monthly income should be at least 1% of the desired loan amount. If the borrower’s income is less than 1%, the loan will be denied. We verify the borrower’s financial capability using their ID, so please do not attempt to deceive me. Applications for larger loan amounts are given priority. If you agree with the terms and requirements and want to receive a loan without any fees until the full amount is disbursed, please submit your applications via email.

5 000 KSh
9 months
1,49% per annum

Private Loans Available Nationwide in Kenya Without Upfront Fees

Reliable Private Loans Offered by a Trustworthy Individual

Struggling with debts from banks or Microfinance Institutions (MFIs)? I’m here to offer financial help on good terms.

Formal Agreement: Our loan process is straightforward and properly documented (e.g., a clear promissory note). For added security, agreements can be legally attested (e.g., by a Commissioner for Oaths) or notarized if necessary.
Flexible Payout: Receive your funds in cash, directly to your bank account, or via M-Pesa for convenience.
No Security Needed: These are unsecured loans – no collateral required.
Zero Upfront Fees: Absolutely no advance payments are asked for.
Mutual Trust: Honesty and transparency from both sides are essential for a smooth process.
I am committed to helping you get the funds you need. My goal is that you won’t leave empty-handed if we can find a suitable arrangement.

Please get in touch to discuss your needs.

20 000 KSh
36 months
11,85% per annum

Private Loan on the Same Day

Financial assistance from a private individual available on the day of application. Borrower requirements: – Age between 23 and 65 years – Stable source of income – Permanent registration in Kenya – Kenyan national ID card Loan amount: from 100,000 KES to 3,500,000 KES. Maximum loan term: 96 months (8 years). The loan is provided at an interest rate of 20% per annum. Any credit history accepted. I work with all regions of Kenya. Loans are issued from my personal funds based on a loan agreement. Reliable processing. If you need financial assistance, please contact me via email.

160 000 KSh
24 months
7,39% per annum

Get a Loan at an Affordable Interest Rate.

Apply and get a loan ranging from 100,000 to 2,000,000 Kenyan Shillings. We are open to considering challenging situations such as a tarnished credit history, existing overdue payments, or a high credit load at the moment. With the loan you receive, you can refinance, settle overdue payments, or use the funds for personal purposes. To qualify for the loan, you need: – Kenyan citizenship, residence registration in any region, except North Eastern Province. – Aged between 19 and 69 years. – Application using an ID card. – No need for additional documents, collateral, or guarantors. – No criminal record or current bankruptcy status. – No requirements for credit history. We will review each situation on an individual basis. Contact us via email at kr

110 000 KSh
48 months
2,44% per annum

Get Up to KES 1,500,000: Easier to Borrow from Us Than from Friends and Family

Hello! I offer loans at a low interest rate.
Amount up to 2,000,000 Kenyan Shillings.
Term up to 7 years. I don’t check credit history, ratings, blacklists, etc., as I don’t have the means to do so! I rely on your honesty. If you are a trustworthy person and urgently need funds, feel free to reach out. I would be happy to help.

40 000 KSh
84 months
6,93% per annum

Need a Loan? We Approve with No Upfront Fees!

Obtaining a loan or credit is easy, even with a poor credit history and late payments! We provide assistance to all citizens aged 18 to 68, regardless of region. On the day of your application, receive from 100,000 to 4,000,000 Kenyan Shillings for a long-term period of up to 7 years. Submit your applications via email or call us for a consultation. NO ADVANCE PAYMENTS OR COLLATERAL REQUIRED! WE DO NOT SEND SPAM.

500 000 KSh
22 months
19,53% per annum

Consumer Loans Available Nationwide, Regardless of Your Circumstances

Facing financial difficulties? Reach out to me. I offer loans with low interest rates. No checks, no upfront fees, no collateral required. Everything is straightforward with me! The application process won’t take much of your time. It only takes a few minutes to complete. See for yourself – apply for a loan right now!

5 000 KSh
10 months
7,99% per annum

Guaranteed loan on the day of application. Credit history does not matter. NO PAYMENTS REQUIRED.

We offer cash loans, freeing you from refusals without any upfront fees!
We work directly with the bank, ensuring guaranteed results, which is why we can promise success!
If you know how much money you need, give us a call and we will assist you in obtaining it!
We can help you secure any loan amount from 150,000 KES to 6,000,000 KES!
All the amounts we approve are processed with just two documents and without refusals!
There’s nothing to purchase, just your ID and any other secondary document you have!

100 000 KSh
12 months
17,91% per annum

Loans for Any Purpose: Genuine Support in Challenging Situations

We offer assistance in securing loans on favorable terms for citizens. Is a poor credit history or overdue payments preventing you from getting a loan? We provide guaranteed help to all Kenyan citizens aged 18 to 64. Approval from 150,000 to 6,000,000 Kenyan Shillings. Call us or leave your application via email. We work with all regions. No spam, collateral, or upfront payments.

50 000 KSh
168 months
11,04% per annum

Best Offer for Borrowing Money at a Low Interest Rate.

Do you urgently need money, but banks are turning you down? We assist borrowers aged 18 and above to secure a guaranteed loan for a long term of up to 84 months (7 years). With us, you can receive up to 5 million Kenyan shillings today. No upfront payments, collateral, or guarantors are needed for the application. We work with every region, regardless of your temporary or permanent residence. Call us, and we will help you.

350 000 KSh
45 months
4,25% per annum

Get a Loan Without Prepayment or Collateral

We offer the opportunity to obtain a loan without paperwork, certificates, or rejection. Our loan is ideal for those in urgent need of cash, including students, retirees, and individuals with a negative credit history. We work for you every day, providing loans to all categories of borrowers. Terms are tailored individually based on your financial capability. Enjoy low-interest rates and quick processing! There is also the possibility of early repayment and contract extension.

160 000 KSh
72 months
8,79% per annum

Legal Ways to Get Loans with Bad Credit History

Loan without upfront payment from a private individual! 💸 We operate all over Kenya! 🇰🇪 Credit history is discussed individually! Real interest rates! Genuine video testimonials! Video calls are mandatory! All individuals are thoroughly verified on WhatsApp +2549659866529

5 000 KSh
30 months
1,42% per annum
Borrower Rating Interest rate Amount
Rafiki Microfinance Bank Limited
4.4,0/5 11,6% 2 800 000 KSh
SMEP Microfinance Bank Limited
4.8,0/5 0,9% 400 000 KSh
Faulu Microfinance Bank Limited
4.3,0/5 3,9% 4 300 000 KSh
Ecobank Kenya Limited
4.6,0/5 14,1% 2 700 000 KSh
Family Bank Limited
5,0/5 12% 700 000 KSh
Diamond Trust Bank Kenya Limited
4.9,0/5 11,9% 3 000 000 KSh
NCBA Bank Kenya PLC
4.4,0/5 14,3% 900 000 KSh
Absa Bank Kenya PLC
4.1,0/5 11,7% 1 900 000 KSh
Co-operative Bank of Kenya Limited
4.8,0/5 5% 3 200 000 KSh
KCB Bank Kenya Limited
4.7,0/5 9,7% 3 400 000 KSh
Submit application
Your name*
Email address*
Your phone number*
Log in
Email
Password
Forgot password?
Email