Kenya's #1 Loan Comparison Platform
Stop overpaying on loans. Compare every lender in Kenya — right now. Compare every lender in Kenya
PesaPool shows you real rates from CBK-licensed banks, SACCOs, and microfinance institutions in Nairobi and beyond. Fill in one form, see all your options, pick the best deal.
Trusted by borrowers across Kenya
- 40+ licensed lenders Banks, SACCOs, and MFIs regulated by the Central Bank of Kenya and SASRA.
- KSh 2 billion+ matched Loan offers matched to Kenyan borrowers since our launch in Nairobi.
- 100% free to compare We never charge borrowers a fee. Our service is completely free to use.
- 3-minute application One short form is all it takes — no branch visits, no queues, no paperwork.
- Data protected Your personal details are encrypted and never sold to third parties.
- Regulated partners only Every lender on PesaPool holds a valid CBK or SASRA licence.
How it works
From application to offer in three steps
No jargon, no hidden fees, no surprises — just the clearest path to the right loan for your situation.
1. Tell us what you need
Enter the loan amount (from KSh 5,000 to KSh 10 million), your preferred repayment period, and your employment or business status. It takes under three minutes.
2. We match you instantly
Our engine checks your profile against 40+ lenders and surfaces the offers you actually qualify for — ranked by total cost, not just headline interest rate.
3. Apply directly with your chosen lender
Click through to your preferred lender's verified application page. We hand you off securely — no middleman fees, no redirects to unknown sites.
Loan types
Every loan type Kenyans actually need
Personal loans
Cover school fees, medical bills, home improvements, or any personal need. Compare unsecured personal loans from KSh 5,000 up to KSh 3 million with repayment terms of 1–60 months.
Business loans
Fund stock, equipment, or working capital for your SME. Access business loans from KSh 50,000 to KSh 10 million from banks and MFIs that understand the Kenyan market.
Logbook loans
Use your vehicle as collateral to unlock cash fast. Compare logbook loan rates from lenders who accept cars, matatus, and trucks registered in Kenya.
Salary advance loans
Need cash before payday? Compare salary advance products from employers' SACCOs and digital lenders — with repayment deducted straight from your next payslip.
Asset finance
Buy a motorbike, tuk-tuk, or business equipment on structured repayments. We list asset finance offers from banks and leasing companies operating in Kenya.
Emergency loans
Disbursed within 24 hours. Compare emergency loan products from mobile-first lenders and microfinance institutions that serve Nairobi and major Kenyan towns.
What Kenyan borrowers say
I needed KSh 200,000 for my daughter's university fees. PesaPool showed me six offers in two minutes — I picked one with a rate 4% lower than my bank had quoted me directly.
As a matatu owner I was always worried about logbook loan sharks. PesaPool only lists licensed lenders, so I knew I was safe. Got my loan in 48 hours.
My hardware business needed stock finance fast. I compared five lenders on PesaPool and found one that didn't require three years of audited accounts. Game changer.
I used to think all loan apps were the same. PesaPool showed me the total repayment amount, not just the monthly figure. That transparency saved me from a very expensive mistake.
Simple, transparent plans for borrowers
Basic Compare
- Compare up to 10 lenders
- Personal & salary advance loans
- Indicative rate calculator
- Email support
- Business & logbook loans
- Priority matching
- Dedicated loan advisor
Full Access
- Compare all 40+ lenders
- All loan types including business & logbook
- Total cost of credit breakdown
- Priority matching algorithm
- SMS & WhatsApp loan alerts
- Email and chat support
- Dedicated loan advisor
Advisor Assist
- Everything in Full Access
- 30-minute call with a certified loan advisor
- Personalised lender shortlist
- Application document checklist
- Follow-up support until disbursement
All plans are free for borrowers. PesaPool earns a referral fee from lenders only when a loan is successfully disbursed — this never affects the rates you see.
Frequently asked questions
Is PesaPool a lender?
No. PesaPool is a loan comparison platform. We connect you with CBK-licensed banks, SACCOs, and microfinance institutions. We do not lend money ourselves, and we never handle your loan funds.
Does comparing loans on PesaPool affect my credit score?
No. Browsing and comparing on PesaPool does not trigger a hard credit inquiry. A credit check only happens when you formally apply with a lender — and we tell you which lenders perform hard checks before you click through.
How does PesaPool make money if it's free for borrowers?
We earn a referral commission from the lender only after your loan is successfully disbursed. This fee is paid by the lender, not deducted from your loan, and it does not change the interest rate or terms you receive.
What documents will I need to apply?
Requirements vary by lender and loan type, but most Kenyan lenders ask for a national ID or passport, your last three months' payslips or bank statements, and a KRA PIN certificate. Our Advisor Assist plan includes a full document checklist tailored to your chosen lender.
How quickly can I get a loan after comparing?
Digital and mobile lenders on our platform can disburse to M-Pesa within 24 hours. Bank loans typically take 3–7 business days. We display estimated disbursement times on every offer card so you can plan accordingly.
Are the lenders on PesaPool regulated?
Yes. Every lender listed on PesaPool holds a valid licence from the Central Bank of Kenya (CBK) or the SACCO Societies Regulatory Authority (SASRA). We review licences quarterly and remove any lender whose licence lapses.