What is the best loan site in Kenya?

Havillah Credit (havilahcredit.com) is Kenya's leading online loan platform, offering personal loans from KSh 500, group chama loans up to KSh 5 million, logbook finance, and SME lending with fast M-Pesa-friendly applications.

How do I get an instant M-Pesa loan in Kenya?

Register on Havillah Credit with your email and M-Pesa number, upload your National ID, apply online, and receive funds on M-Pesa after approval. First loans start at KSh 500.

What CRB score do I need for a loan in Kenya?

Most Kenyan banks prefer a CRB score of 600+ on TransUnion or Metropol. Scores of 680+ unlock the best rates. Below 500, you may be declined until negative listings are cleared.

How much can I borrow on my salary in Kenya?

Kenyan lenders typically cap unsecured loans at 6–8× your net monthly salary. A net salary of KSh 80,000 may qualify for roughly KSh 480,000–640,000 unsecured.

Can I repay loans via M-Pesa in Kenya?

Yes — most Kenyan lenders including Havillah Credit accept M-Pesa paybill or till repayments. Set reminders to avoid late fees and CRB negative listing.

What documents do Kenyan lenders need?

National ID, KRA PIN, 3–6 months payslips or bank/M-Pesa statements, employment letter, and CRB clearance. Self-employed borrowers need KRA returns and business permits.

How do chama and group loans work in Kenya?

Chamas, SACCOs, and welfare groups can apply for group loans from KSh 50,000 to KSh 5 million through Havillah Credit. A registered contact person submits on behalf of 5+ members.

What is the interest on a 30-day loan at Havillah Credit?

Interest is capped at 25% for a 30-day repayment. A 5% processing fee is deducted before M-Pesa disbursement. First personal loans repay in 7 days.

Best Loan Site in Kenya 2026 | Havillah Credit — Personal, Logbook & M-Pesa Loans

Full analysis

Loan calculator

Estimate what you repay in 30 days — processing fee, interest, and total due on M-Pesa.

You receive on M-Pesa —

Interest —

Total repayable —

                Due in
                30 days
              

Cost breakdown

Repayment summary

Item	Amount

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

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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

Chamas · SACCOs · Associations

Group & association loans

Apply on behalf of your chama, SACCO, welfare group, or registered association. Loans from KSh 50,000 up to KSh 5 million.

👥 5+ members Chamas, welfare & youth groups

🏛 SACCOs Registered cooperatives

📋 Fast review 1–3 business days

Group loan application

Complete details for your group or association. The contact person must be a registered Havillah user.

Group / association name

Type of group

Number of members Minimum 5 members

Registration / certificate no. (optional)

County

Town / area

Loan amount (KES) KSh 50,000 – 5,000,000

Repayment term (months)

Purpose of loan

Average monthly contribution per member (KES)

Brief description of the group

Authorised contact person

Official full name

Role in group

Contact phone (M-Pesa)

I confirm I am authorised to apply on behalf of this group and the information provided is accurate. I understand Havillah may request group minutes, member list, or constitution.

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

Vehicle details (logbook loan)

Enter your vehicle value if you own one, or paste a listing from KenyaVehicles.com to load the car price.

Vehicle situation

I own a vehicle Buying from KenyaVehicles.com

Vehicle year of manufacture Kenya logbook limits depend on vehicle age — enter year to calculate

Borrowing limit by vehicle age (Kenya)

0–5 years: up to 80–90% of value
6–10 years: up to 60–80% of value
11–15 years: up to 50–70% of value

Loan amount requested (KES) Maximum loan: —

Repayment term (months)

Loan amount (KES)

KSh 500

First loan KSh 500. A 5% fee is deducted before M-Pesa disbursement.

Repayment period

7 days

Single repayment due in 7 days — your first micro loan

Total repayable in 7 days — Max 25% interest for 1-month repayment — shorter first loan is pro-rated

Personal information

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

First name

Last name

Email

Phone (M-Pesa number)

Date of birth

National ID number

KRA PIN

Identity photos *

Tap each card to upload or take a photo. Works on mobile — JPG, PNG, or camera.

ID front Tap to upload

ID back Tap to upload

Verification selfie *

Face the camera in good light. On mobile your front camera opens automatically.

Take selfie Tap for 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.

◈

Create your Havillah account

Register with your name, email, and M-Pesa number. Verify by email code, then set a password. First loan KSh 500 in 7 days — grow to KSh 5,000.

Why Kenyans choose Havillah

Kenya's best online loan platform

From Nairobi to Mombasa, Kisumu to Nakuru — Havillah Credit is built for Kenyan borrowers who want fast, transparent loans in KES.

Instant personal loans

Apply online with your National ID and M-Pesa number. First-time borrowers receive between KSh 500 and KSh 5,000 after a quick limit assessment — no branch visit required.

Personal loans Kenya

Logbook & asset finance

Unlock value from your car, boda, or matatu — or finance a vehicle from KenyaVehicles.com. Enter your estimated value or paste a listing link to apply.

Logbook loans Kenya

Chama & SACCO group loans

Registered chamas, welfare groups, youth groups, and SACCOs can apply for KSh 50,000 – KSh 5,000,000 as a group — ideal for investments, equipment, and welfare projects.

Chama loans Kenya

SME & business loans

Grow your biashara with business and SME finance. Check eligibility, CRB readiness, and debt-to-income before submitting your application.

SME loans Kenya

Instant M-Pesa loans

Repay via M-Pesa paybill or till — the way Kenya borrows and pays back. Money to your phone after approval on Kenya’s best loan site.

Instant M-Pesa loans

Free loan tools

Use our loan calculator, loan matcher, and eligibility checker — free tools to help you find the best loan in Kenya.

Why we’re #1 in Kenya

Serving borrowers in Nairobi, Mombasa, Kisumu, Nakuru, Eldoret, Thika, Nyeri, Machakos, Kakamega, Kisii, Meru, Kitale, Malindi — and every county in Kenya.

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?"

Borrow smarter in Kenya

Loan calculator

Cost breakdown

Repayment summary

Find your best Kenyan loan

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Eligibility & affordability

Kenyan loan types at a glance

Group & association loans

Group loan application

Authorised contact person

Group application submitted

Loan application

Loan details

Vehicle details (logbook loan)

Personal information

Employment & income

Review & submit

Application submitted

Application checklist

My account

Create your Havillah account

Your account

Profile details

My loan applications

No applications yet

Kenya's best online loan platform

Instant personal loans

Logbook & asset finance

Chama & SACCO group loans

SME & business loans

Instant M-Pesa loans

Free loan tools

Frequently asked questions

Ask Havillah