Kenya's trusted loan provider

The best loans in Kenya — fast, fair & in KES

Havillah Credit helps Kenyans access personal, business, logbook, Sacco, and mortgage loans with competitive rates, CRB-aware matching, and quick online approval.

Apply for a Loan Find My Best Loan

18,200+ Kenyans guided

KES all amounts in shillings

<2 min to a recommendation

Quick payment estimate

Loan amount (KES) Ksh 500,000

Interest rate (p.a.) 16%

Term (years) 4 years

Estimated monthly payment —

Estimates only. Actual rates depend on lender, CRB score, and collateral.

Full analysis

Loan calculator & amortization

See monthly payments in KES, total interest, and how each payment splits principal vs. interest — with smart savings tips.

Monthly payment —

Total interest —

Total cost —

                Payoff with extra
                —
              

Payment breakdown over time

Amortization schedule (first 12 months)

#	Payment	Principal	Interest	Balance

Smart matching

Find your best Kenyan loan

Answer a few questions — we'll match you to Sacco, bank, logbook, or asset finance with KES affordability limits.

What do you need the loan for?

Annual gross income (KES)

CRB / credit score 650 — Good — most lenders approve

Amount needed (KES)

Do you have collateral?

Employment status

✦

Complete the form to see your personalised Kenyan loan recommendation, estimated rate range, salary cap, and next steps.

Smart check

Eligibility & affordability

Debt-to-income ratio with Kenyan lender guidelines — updates live as you type.

— Debt-to-income

Enter your details to see your DTI score and lender-friendly verdict.

Compare options

Kenyan loan types at a glance

Apply online

Loan application

Complete your application in minutes. Sign in to submit — your info is saved securely to your account.

Loan details

Tell us what you're borrowing for and how much you need in KES.

Loan type

Purpose

Loan amount (KES)

Term (months)

Estimated monthly payment — Based on 16% p.a. — final rate after CRB review

Personal information

Kenyan lenders require valid ID and KRA PIN for all applications.

First name

Last name

Phone (M-Pesa number)

Date of birth

National ID number

KRA PIN

National ID photos *

Upload clear photos of the front and back of your National ID (JPG, PNG, or WebP, max 5 MB each).

📷 ID front Tap to upload

📷 ID back Tap to upload

Verification selfie *

Take a clear selfie facing the camera. On mobile, your front camera will open automatically.

🤳 Take a selfie Tap to open camera

Street address / estate

Town / city

County

Employment & income

Lenders verify income via payslips, M-Pesa statements, or KRA returns.

Employment status

Employer / business name

Job title / role

Annual gross income (KES)

Monthly rent / mortgage (KES)

Other monthly debts (KES)

CRB / credit score

I am applying with a co-applicant / guarantor

Review & submit

Confirm your details before submitting your application.

I authorise Havillah to review my application and understand this may involve a CRB inquiry. I confirm the information provided is accurate.

Step by step

Application checklist

Track your progress — Kenyan lenders love prepared borrowers.

0 of 8 complete

Your profile

My account

View your profile and track submitted loan applications.

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Sign in to your account

Create an account to submit loan applications, save drafts, and track your requests in one place.

Answers

Frequently asked questions

Ask Havillah

Questions about CRB, Saccos, M-Pesa repayment, or Kenyan loan types.

Karibu! Try: "What CRB score do I need?" or "Sacco vs bank loan?"