Loan Apps in Kenya without CRB checks

Loan Apps in Kenya without CRB checks

Loan Apps in Kenya without CRB checks

Some financial institutions require information about their borrowers’ creditworthiness to minimize the risk of defaulted payments. If you fall under the category of borrowers who have overdue debts, there’s a likelihood that your loan processing will take a long time. Luckily, some loan apps in Kenya do not require checks from the Credit Reference Bureau (CRB).

However, this doesn’t mean that these services will not require the provision of information relating to whether you have taken other loans before or not. If you do not meet the criteria of these digital lenders, you may still end up with no probability of receiving financial assistance.

Examples of Loan apps that do not require CRB checks

You can use the internet or ask friends who have borrowed digitally before identifying your options regarding working with a Loan app that will not dive too much into your credit history through formal checks. In your quest to obtain information on these online lenders, you’ll come across a few suggestions as listed below:

  1. Utajiri loan app
  2. Craft loan app
  3. Upazi loan app
  4. Usawa loan app

Explained below is how each of these apps works and how you can apply for a loan:

Utajiri Loan App

This lender operates digitally, meaning you have to download the app from your play store. With a fast internet connection, this process should take a few seconds as it only involves:

  • Locating the app and clicking install
  • Launching the installed app on your android phone
  • Creating an account by providing requested information and your M-pesa phone number
  • Paying a registration fee of Ksh 250
  • Applying for the loan
  • Stipulating the appropriate loan term
  • Submitting your request

When repaying, the process isn’t complicated because you’ll only Launch your Safaricom toolkit or app and click on M-pesa. Next, choose Lipa na M-pesa followed by the PayBill option. Insert the business number as 877 199 and let your phone number be the account number. The final step includes adding your repayment value and PIN then completing the transaction. Ensure that you input the correct details to avoid sending money to the wrong individuals or companies.

You can reach the Utajiri loan app through:



Phone number: +254720777132

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Craft Loan App

This loan app is a registered financial lender that seeks to increase people’s productivity by offering cash to be returned later. If interested in obtaining a loan, download the Craft loan app on your smartphone through the play store.

Upon successful installation of the app, provide your name, phone number, Email address, and date of birth, as this information is necessary when creating an account. You’ll also have to pay a fee of Ksh 250 as part of your registration process following the steps below:

  • On the M-pesa menu, click Lipa na M-pesa
  • Select PayBill and enter 352032
  • When prompted to add your account details, enter your phone number
  • Stipulate the amount you’re paying, which is Ksh 250
  • Fill your PIN
  • If the details are correct, click OK

On paying the registration fee, you can apply for a loan that may range from Ksh 500 to Ksh 50,000. Paying your loan on time will increase the amount of money you can get from the Craft loan app, so honor your obligations. When repaying, follow the same steps as when paying the registration fee. The only difference between these two transactions is the amount of money you’ll pay.

Craft loan app’s customer care contacts are:


Phone number: +254780004840



Upazi Loan App

If looking for a loan app that doesn’t perform CRB checks, consider this loan provider. Obtaining a loan from Upazi loan app is easy because applications and payments happen through the internet, so you do not have to keep moving from one office to another.

On your smartphone, install the Upazi loan app through the play store. Seeing that you’re using the service for the first time, click sign-up, where you’ll have to pay a fee of Ksh 250 using M-pesa PayBill, which is 256 767. In addition to providing your phone number and paying a registration fee, there is a requirement to include more information which includes:

  • Your gender
  • EmailEmail
  • ID number
  • Your full names
  • Date of birth

Ensure to provide the correct details as failure to do this may delay your loan application. You can request a loan on completing the registration process and note that Upazi loan app charges a 12% interest rate. Your loan limit will range from Ksh 500 to Ksh 50000, but the amount can go up on proving that you’re a trustworthy borrower. When paying back, use the same M-pesa PayBill number you used when paying the registration fee.

Upazi loan app contacts are their phone number and email, which are +254780004840 and , respectively.

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Usawa Loan App

You need to download the Usawa loan app on your smartphone, which is the only way to access loan services. Visit the google play store, search the app by name, click install, and wait for the process to complete automatically. Below are the steps you’ll follow when applying for a loan with Usawa loan app:

  • Launch the newly downloaded app
  • Create an account by adding your details such as name and ID number
  • Pay an annual registration fee of Ksh 400
  • Upon verification of your account, apply for a loan, which you’ll receive through your M-pesa phone number
  • Repay the loan before the repayment period ends

To repay the loan, go to your M-pesa menu, click Lipa na M-pesa, then the PayBill option. Add 138103 as the business number and your phone number as the account information, state your repayment amount, insert your PIN, end the transaction by pressing OK.

Note that the interest rate for Usawa loans is 12%, and the repayment period shouldn’t exceed 91 days.

Contact the Usawa loan app at +254790639990 or .


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