Loan Apps That Do Not Check CRB Status

Loan Apps That Do Not Check CRB Status

Financial freedom is an achievement that has sometimes justified elusive even to the financially capable due to life’s many eventualities.

This has seen the preponderance have their assets repossessed, mortgaged homes seized, or even worse, file for bankruptcy in the event that debts exceed income.

The outcome of debt is no distinct to users of loan apps.

Despite their absence of security, a term generally referred to as unsecured, defaulters of such loan apps may meet unorthodox means of pressure by lenders to expedite repayment.

Nevertheless, the final end of all defaulters normally ends at the CRB.

CRB is short for Credit Reference Bureau, whose commission is to keep a database of an individual’s credit characterization that can be obtained by financial institutions during a loan application process.

This may result in a borrower being awarded or denied a loan advancement depending on their credit record.

Nevertheless, not all lenders opt for this course. Next, we look at some of the loan apps that do not check CRB standing during loan approvals.


Okash is a loan app administered by OneSpot Technology Investment Ltd.

As long as borrowers can match their qualification criteria below, which is described within their Okash loan app.

OKash loans are not confined to your occupation, income, or any other conditions. You just need to be 20-55 years old, you have a settled income and mobile number, and you can ask for an OKash loan.

Okash loans start from Ksh2,500 to Ksh50,000 at an interest charge of between 14-16% at a repayment period of ’91’ or ’92’ days.

Nevertheless, their interest charges are usually subtracted prior to loan disbursement; thus, borrowers will end up with a sum less than what they had originally applied for.

Interested borrowers can get the Okash loan app via the play store.


Opesa loan app is typically referred to as the sibling to Okash loan app due to their identities in operations.

Nevertheless, the Opesa loan app is administered by TK Limited.

Opesa’s judgment during loan approvals can be discovered within the app and is primarily based on a borrower’s mobile data, such as handset details, MPESA or Mshwari financial transactions, and reason for borrowing.

This is further coupled with a user’s repayment record so as to create an individualized credit score that will limit the loan offer fitting to the borrower.

Opesa loans start from Ksh2,000 to Ksh50,000 at 14-16% interest charge repayable within ’91’ or ’92’ days.

Like Okash, the Opesa loan app also decreases interest upfront.

Borrowers can get the Opesa loan app via the play store.


M-Fanisi is a loan product administered by Maisha microfinance bank.

In order to be qualified, applicants need to be 18 years and above and have an operating M-PESA transaction history.

M-Fanisi loans start from Ksh200 to Ksh25,000 at a 10% interest charge repayable within 30 days from the day of disbursement.

To obtain M-Fanisi loans, borrowers can get the M-Fanisi loan app from the play store or utilize their M-Fanisi loan USSD code *281# for Safaricom users or *222# for Airtel subscribers.


Tala loan app is a service of Tala Mobile.

Determinations for loan approvals from Tala are customarily based on a user’s mobile data involving phone model, M-PESA transactions, as well as answers given during application.

Tala loans start from Ksh500 to Ksh30,000 with varying interest charges of between 5-15% depending on the repayment term of 21/30 days.

Borrowers can obtain Tala loans by getting the Tala loan app from the play store.


Mokash is a service offered by Mocash. They grant loans for between Ksh1000 to Ksh30,000 for a duration of 8 days.

To obtain Mokash loans, applicants require to get the Mokash loan app from the Google play store.