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Loan eligibility

Kenya digital loan eligibility checker

Tell us your situation. We tell you which Kenyan digital lenders you're likely to qualify with — KCB M-PESA, M-Shwari, Fuliza, Tala, Branch, and Hustler Fund.

KCB M-PESA

Eligible

Clean CRB and good M-PESA tenure — strong eligibility for KCB M-PESA loans.

Rate: ~7.35%/monthLimit: Up to KES 1,000,000Apply via: Open M-PESA → Loans & Savings → KCB M-PESA

M-Shwari (NCBA)

Eligible

M-Shwari savings history + clean CRB = strong eligibility.

Rate: ~7.5%/monthLimit: Based on savings + historyApply via: Dial *234# → Loan

Fuliza (M-PESA overdraft)

Eligible

Fuliza is broadly available to active M-PESA users. Limit grows with use.

Rate: ~1.083% dailyLimit: KES 500-100,000+Apply via: Auto-applied when M-PESA balance is short of a transaction

Hustler Fund

Eligible

Government-backed Hustler Fund is designed for financial inclusion. Most lenient on CRB status.

Rate: 8% per annumLimit: KES 500-50,000Apply via: Dial *254#

Tala

Eligible

Active income + clean CRB makes you eligible for Tala loans.

Rate: 15%+ per loan termLimit: KES 500-50,000Apply via: Tala app

Branch

Eligible

Branch eligibility is comparable to Tala. Active M-PESA tenure required.

Rate: 15-20%+ per loan termLimit: KES 500-70,000Apply via: Branch app

This is a heuristic pre-check, not a guarantee. Actual eligibility depends on the lender's real-time scoring at application time. We don't store your inputs.

How the checker scores eligibility

Each Kenyan digital lender has its own scoring model, but the inputs are surprisingly similar:

  • CRB status. Active negative listings block most regulated lenders. Hustler Fund is the most lenient.
  • M-PESA tenure. Most lenders want at least 6 months of M-PESA history, ideally 2+ years.
  • M-PESA cash flow. Active inflows and outflows score well. A dormant M-PESA account scores poorly.
  • Repayment history. Past loans repaid on time build your limit. One late repayment can shrink your limit for months.
  • Savings history. M-Shwari specifically requires you to have used the savings product before becoming loan-eligible.

Important notes

The checker is a heuristic pre-screen, not a guaranteed result. Actual eligibility is determined by the lender's real-time credit scoring when you apply. The checker:

  • Doesn't access your CRB record — you tell us your status
  • Doesn't see your M-PESA history — you tell us your tenure
  • Doesn't store any input — your selections are discarded when you leave the page
  • Doesn't share data with the lenders — applying is a separate step

If you're CRB-listed

Most regulated lenders block you while you're actively listed. Hustler Fund is the most accessible alternative, plus SACCOs (which lend on member savings, not CRB status). Read our full guide on borrowing when CRB-listed for the legitimate paths to clearing your status.

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