Welcome to Lafingo Kenya, the platform that helps you compare loans in Kenya online and other financial products in 2025.
Find the best loan in Kenya in September 2025
Lafingo is a trusted loan comparison website that provides Kenyans with detailed information about reputable loan lenders and their offers. Our platform allows you to compare loan types, interest rates, repayment terms, and loan conditions, helping you find the best online loans in Kenya that match your needs.
Looking for online loans in Kenya? Lafingo makes it easy!
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Disclaimer: Lafingo is not a lender and does not provide loans directly. We are not registered with the Central Bank of Kenya (CBK) as a lender. Instead, we provide information and comparison tools to help Kenyans make informed financial decisions.
What does Lafingo do for clients in Kenya?
- ✅ Compare loan providers and their offers
- ✅ Provide detailed reviews of lenders, including user feedback
- ✅ Help you understand loan terms, interest rates, and repayment conditions
- ✅ Offer guides on responsible borrowing and how to get a loan in Kenya
- ❌ We do not issue loans directly
- ❌ We do not approve or reject applications
- ❌ We do not influence lender decisions
Lafingo in Kenya – 2025 Update
Lafingo is recognized as one of the leading loan websites in Kenya, helping thousands of users find affordable, fast, and secure credit options. We align with Central Bank of Kenya guidelines to promote borrower awareness, consumer rights, and fair loan terms.
Types of loans in Kenya in 2025
With Lafingo, you can compare a wide range of Kenyan loans online, including:
Mobile loans
Mobile loans in Kenya are among the most popular credit products in 2025. Offered via loan apps and directly integrated with M-Pesa, they provide instant cash to your phone wallet. You can borrow small to medium amounts (500 KES – 100 000 KES) with fast approvals and minimal paperwork. Many digital credit providers are licensed by the Central Bank of Kenya.
Instant or quick loans
These loans provide immediate cash, often within minutes, and are perfect for emergency expenses such as hospital bills or urgent purchases. Providers like mobile loan apps and digital lenders transfer money directly to your M-Pesa or bank account. With Lafingo, you can compare trusted quick loan offers to avoid unlicensed lenders.
Personal loans
Personal loans are flexible credit products for a variety of needs—education, home renovation, or family expenses. They typically range from 10 000 KES up to 2 500 000 KES, with repayment terms from 3 to 60 months. Many banks listed by the Kenya Bankers Association provide these loans with competitive interest rates and salary-based repayment options.
Emergency loans
Emergency loans are designed for urgent, unexpected situations—like medical bills or sudden travel. With Lafingo, you can find lenders who offer same-day approval and disbursement to your M-Pesa or bank account. Remember, APRs are higher for short-term loans, so compare carefully.
Business loans
Kenya’s SME sector is thriving, and business loans help entrepreneurs access capital for growth. Loan amounts can go into millions, with terms ranging from months to years. Institutions like FSD Kenya highlight the importance of affordable financing for small businesses. Through Lafingo, you can compare banks, SACCOs, and digital lenders that fund Kenyan SMEs.
Car loans
Car loans allow you to finance a new or used vehicle. You can choose between fixed or flexible repayment terms, often requiring proof of income and insurance. Some banks also offer car leases with the option to purchase at the end.
Mortgages
Mortgage loans provide long-term financing for purchasing property. They require collateral (the property itself) and usually stretch up to 20–25 years. Mortgages are regulated and provided by Kenyan banks under the oversight of the Central Bank of Kenya. Lafingo helps you compare rates and terms from leading providers.
Loan consolidation
If you have multiple loans, loan consolidation allows you to combine them into one manageable repayment plan. This can reduce your monthly burden and often lower your effective interest rate. Compare Kenyan lenders that offer consolidation to streamline your finances.
Refinancing
Loan refinancing in Kenya gives you the chance to restructure an existing loan under better terms. By comparing offers on Lafingo, you can move from a high-interest loan to a lender offering more affordable rates, saving money over time.
Compare loan websites in Kenya in 2025
How to apply for a loan in Kenya with Lafingo?
- Compare loan offers – Browse Kenyan lenders by interest rates, repayment terms, and loan conditions.
- Select the best loan – Choose the one that suits your goals and repayment capacity.
- Visit the lender’s website or app – Lafingo redirects you to apply directly with the lender.
- Submit your application – Fill in the form, attach documents, and apply for a loan online.
- Await approval – The lender may conduct a credit check.
- Receive your funds – If approved, money will be transferred to your M-Pesa or bank account, often within minutes.
Eligibility and documents in Kenya for loans
- Valid Kenyan National ID
- Active bank account or M-Pesa account
- Proof of income (payslips, mobile statements, or business income)
- Valid phone number and email
- Lenders may check credit history via Credit Reference Bureaus in Kenya.
Why choose Lafingo Kenya for loan comparison?
- Compare verified lenders in one place
- Get access to the latest online loans in Kenya with transparent terms
- User-friendly platform with no hidden fees
- Estimate repayments with Lafingo’s loan calculator
Loan calculator to estimate repayments for loans in Kenya
Other financial products to compare
- Insurance (life, health, property, travel, etc.) – see Insurance Regulatory Authority of Kenya
- Peer-to-peer (P2P) lending platforms for alternative financing
- Credit cards for flexible daily expenses
- Savings & investments (SACCOs, fixed deposits, shares, bonds)
Lafingo Blog (coming soon)
Our blog offers guides on loan apps, emergency loans, personal loans, and responsible borrowing in Kenya. Stay updated on financial trends and the latest loan websites in Kenya.
Use Lafingo to find the best online loans in Kenya
With Lafingo, Kenyans can quickly compare instant loans, personal loans, mobile loans, and business loans. Start your loan comparison today and secure the financial help you need.
Frequently Asked Questions (FAQs) in Kenya❓
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How does Lafingo work in Kenya❓
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Can I apply for a loan directly on Lafingo❓
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Is Lafingo free in Kenya❓
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Which loans can I compare❓
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Are online loans in Kenya safe❓