Cynthia Wandia
Updated 12.06.2025

Bad Credit Loans in Ngong

Amount, KSh
70 000

Truly Beneficial Terms, Competitive Bank Rates, No Income Documentation Required

Contact us, as we have the connections and capabilities necessary to assist even the most problematic clients. We work promptly and provide real help, not just empty promises. We do not require any upfront payments from our clients, neither on the day of application nor upon approval. We take our fee only after the borrower has received the loan money, and not a moment earlier. Relevant for individuals who are citizens and residents of Kenya, aged between 21 to 69 years. Loan disbursements are made at bank branches in almost all regions. Please reach out via email.

50 000 KSh
60 months
12,97% per annum

Get a Loan Directly from a Bank Employee with Guaranteed Approval

We offer credit services to Kenyan citizens over the age of 19. We do not focus on credit history, and we work effectively with all types of borrowers. No income verification is required. Applications are accepted via email.

90 000 KSh
12 months
5,33% per annum

Car Loans for Purchasing Private and Commercial Vehicles

Even if your credit history is less than perfect and banks keep rejecting your applications, we’re here to help you secure a loan. We have extensive knowledge of the loan market and maintain strong relationships with various bank employees, giving us the capability to facilitate the lending process for you. Every one of our clients is able to obtain a loan despite issues with their credit history or score. We handle everything from documentation to loan disbursement in any region where our partner banks have branches. There are no upfront fees; repayment is made only after you receive the loan funds. Submit your applications to our email address.

150 000 KSh
48 months
5,15% per annum

Affordable Loans with Instant Approval and Reliable Service

We offer assistance in obtaining credit cards for Kenyan citizens who are unable to apply independently due to issues with their credit history. This could include a damaged credit record, high credit load, or unofficial employment. Credit limits up to 700,000 KES, with a grace period of up to 55 days, and an annual interest rate of 28.9%. Our services are provided for a fee, payable upon receipt of the credit card. Applications are accepted via email from 9:00 AM to 8:00 PM EAT. We invite regional credit brokers to collaborate with us (offering a good commission). We have made concessions and reduced obligations at this time.

90 000 KSh
90 months
21,22% per annum

Offering Personal Loans with Interest in Nairobi and Across Kenya!

Looking online for a reliable investor without commission fees? A private individual offers real money loans with a promissory note up to 700,000 Kenyan shillings. Interest rates range from 2% to 4% per month. Loan terms vary from one month to 4 years. Personal meetings can be arranged in many cities across Kenya, Europe, and the Commonwealth of Independent States. Borrowers must be at least 18 years old. Contact the private investor directly via email.

200 000 KSh
36 months
21,22% per annum

Genuine Credit Assistance!

Loans and only loans, with no rejections and no upfront payments – we guarantee loan approval!
No need to pay anything in advance, only upon receipt!
Just your ID and any second document, no need to buy any certificates, only approval!
We guarantee you a loan amount from 50,000 to 8,700,000 Kenyan Shillings!
Loans and only loans, nothing else – we do not ask for prepayments for our guarantee!

250 000 KSh
21 months
7,61% per annum

We Approve Loan Applications with a Negative Credit History

No advance payments or investments required! We offer assistance and resolve any credit issues on terms that are accessible to you. We provide loans to creditworthy citizens, even with a negative credit history, overdue payments, heavy financial burdens, debts, and other difficulties. Trust our specialists, and you won’t need to run around banks anymore. We specialize in complex situations and achieve a 100% success rate. For more details on obtaining loans, please contact us via phone or email.

10 000 KSh
66 months
12,49% per annum

Get a Loan Without Income Proof or Upfront Payments

I offer a private loan of up to 850,000 KES with a promissory note. This offer is available to all Kenyan citizens. The agreement is secured through a notarized contract. Since there’s no bank involvement, your credit history doesn’t matter. If you have a source of income, I guarantee a high approval rate. The review takes no more than 2 hours. I will transfer the money to any bank account in Kenya. Contact me via email or WhatsApp at any time.

100 000 KSh
24 months
1,51% per annum

Assistance with securing a bank loan in Nairobi, no upfront fees, guaranteed.

I offer a private loan after a personal meeting in Nairobi, ranging from 300,000 to 2,000,000 KES, for a term of up to 5 years, without collateral, with just one identification document, under a written agreement, with an annual interest rate of 36%. Credit history and relationships with financial institutions are not of concern. Call any day from 11:00.

150 000 KSh
96 months
6,31% per annum

The Best Loan Offers with No Upfront Fees or Insurance Required

We assist in securing bank loans for clients with a problematic credit history. With our support, you can obtain cash up to 7,000,000 Kenyan Shillings, even if: – You have faced several rejections. – You have no collateral or guarantors. – The borrower has a poor credit history. – You have multiple loans and an unmanageable monthly payment. – There are ongoing arbitrations and debts. Permanent registration in Kenya is required. Age from 27 to 62 years. We do not engage in random mass bank applications. We have reliable partnership programs with several banks. Additionally, we offer refinancing and restructuring programs to reduce your monthly payment and consolidate all loans into one. Contact us.

190 000 KSh
18 months
11,04% per annum

Online Car Loans with Flexible Repayment Options

We provide genuine assistance in obtaining loans for various regions, including individuals with bank debts, retirees, and the unemployed. We consider complex cases and work with all areas, including regions like Mount Kenya. We assist in gathering all necessary documents. Your place of work or residence does not matter. Loans are arranged through our trusted contacts in banks. WE DEAL WITH OVERDUE LOANS, ANY CREDIT HISTORY, AND BLACKLISTS. A BAD CREDIT HISTORY OR STOP LIST IS NOT A PROBLEM! THERE ARE NO HOPELESS SITUATIONS! THERE IS ALWAYS A SOLUTION! No advance payments required! From 18 years old, amounts ranging from 100,000 KES to 5,000,000 KES for a term of 1 to 7 years at 14% annual interest. We will provide you with all the necessary documents for obtaining a loan. Feel free to email us anytime with questions. We operate seven days a week.

90 000 KSh
36 months
24,17% per annum

GET A LOAN WITH JUST TWO DOCUMENTS, NO UPFRONT FEES

We assist with the arrangement and acquisition of loans, submitting applications directly through our bank’s security system. The approval rate is high.

Amounts up to 5,000,000 KES, with bank rates up to 11.9%! We arrange loans even with high debt loads and poor credit history: open or closed delinquencies, blacklisted status, or unemployment.

We offer assistance in cases of any bank rejections!

Two main documents required (ID card, KRA PIN certificate).

Expert assistance at all stages until completion (turnkey service). We operate nationwide, with loan disbursement regions being Nairobi and Mombasa.

No payments are required from you until you receive the funds personally; we do not take any upfront fees. No collateral or guarantors are required from you.

70 000 KSh
240 months
7,95% per annum

Looking for a loan? We’re here to help with any issues you may have.

– We can help you get a loan on the same day without income verification, collateral, or guarantors. – Loan amounts from 150,000 to 5,000,000 Kenyan Shillings in cash. – Commission is 10% depending on the loan amount, payable upon the receipt of your funds. – Requirements: 2 documents – National ID and a second form of identification. – Available for residents in all regions of Kenya. Age from 18 to 70 years. Collection in any region. – We accept long loan arrears and court judgments. – PERSONAL PRESENCE IS REQUIRED. – Processing and issuance within 30 to 50 minutes. – Working hours from 10:00 AM to 9:00 PM without days off. If you need assistance, call us!

60 000 KSh
132 months
18,42% per annum

Get a Loan Without Upfront Fees Despite a Poor Credit History in Kenya

We will assist you in obtaining funds with just two documents, without any references or additional contacts. We do not send out mailings, we collaborate with several banks where we can guarantee a loan for our clients under any circumstances. We will find available options, bypass any negative credit history factors, as there are no hopeless situations. Service available throughout Kenya, for borrowers aged between 22 and 65 years, just a national ID and PIN required. Applications are accepted via email.

30 000 KSh
27 months
21,22% per annum

Get a Loan Directly from a Bank Employee with No Upfront Fees

Do you need an urgent loan despite past defaults and a poor credit history? We offer loans for 7 years without credit checks and without the need for a full document package. The annual interest rate will be between 23% and 28%. The agreement and disbursement will take place in person with a notary. No certificates, initial fees, or prepayments required. We simply meet and finalize the deal. We will consider your application if you are a legal adult and a resident of Kenya.

90 000 KSh
84 months
9,06% per annum
Borrower Rating Interest rate Amount
SMEP Microfinance Bank Limited
4.4,0/5 7,5% 3 600 000 KSh
Kenya Women Microfinance Bank PLC
4.8,0/5 12% 3 900 000 KSh
Faulu Microfinance Bank Limited
4.8,0/5 5,9% 500 000 KSh
Prime Bank Limited
4.9,0/5 4,9% 4 300 000 KSh
Family Bank Limited
4.6,0/5 14,3% 4 000 000 KSh
I&M Bank Limited
4.7,0/5 4,4% 1 700 000 KSh
Diamond Trust Bank Kenya Limited
4.7,0/5 10,9% 3 000 000 KSh
NCBA Bank Kenya PLC
4.7,0/5 4,9% 2 800 000 KSh
Equity Bank Kenya Limited
4.1,0/5 4,8% 2 700 000 KSh
KCB Bank Kenya Limited
4.5,0/5 11,1% 2 400 000 KSh
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