Obtain your first loan online rapidly: Just in 10 minutes!

Apply for a loan
Obtain your first loan online rapidly: Just in 10 minutes!

Why Choose Us



Quick to access and simple to use, wherever you are. One document is all that's needed



A reliable direct lender with fresh solutions. We protect your information and assist during challenging times



A simple, rapid solution from the comfort of your home. Instant money transfers and flexible loan periods

Borrowing Guide


Make a Request via the App

Apply through the app by completing the necessary form.


Hold Tight for Decision

Stay tuned for a decision, usually ready in 15 minutes.


Retrieve Your Money

Obtain your funds, usually taking only one minute to transfer.

Download loan app

Customer Opinions


Anja Marshall

Emergencyloan.co.ke saved me when I needed cash urgently. The application process was quick and easy, and I received the funds in no time. I highly recommend their services to anyone in need of a fast and reliable loan.


Maghiel E.

Amazing customer service! The staff at emergencyloan.co.ke were so helpful and friendly throughout the entire process. They made me feel comfortable and informed every step of the way. I will definitely be using their services again in the future.


Daniël C.

Emergencyloan.co.ke offers competitive rates and flexible repayment options. I was able to customize my loan to fit my budget, making it easy for me to manage my finances. I am extremely satisfied with their service and will be using them again in the future.



I was in a tough spot and emergencyloan.co.ke came through for me. Their quick approval process and efficient service really impressed me. I will definitely be recommending them to all my friends and family in need of a reliable loan service.


DelVonte Winston

The convenience of emergencyloan.co.ke is unparalleled. I was able to complete the entire loan application process online, from the comfort of my own home. This saved me so much time and hassle. I am grateful for their excellent service and will be using them again in the future.

Make a Request via the App

Apply through the app by completing the necessary form.

Download loan app

Online loans in Kenya via M-Pesa

  • Amount 500 KES to 30,000 KES
  • Minimum repayment period 61 days
  • Maximum repayment term 365 days
  • Interest rate 0,01% - 2% per day
  • Decision 5-15 minutes
  • Age of borrower 18-62 years old
  • Occupation Currently employed or with a stable source of income
  • Location Kenyans that are currently living in the Kenya
  • What are the requirements National ID, Mobile phone

Understanding Emergency Loan in Kenya

Emergency loan in Kenya are financial products designed to provide individuals with access to quick cash in times of urgent need. These loans are typically offered by banks, microfinance institutions, and online lenders, and can be used for a variety of purposes, such as medical emergencies, unexpected expenses, or temporary cash flow problems.

Benefits of Emergency Loan

One of the main benefits of emergency loan in Kenya is their quick approval process. Many lenders offer instant approval for these loans, allowing borrowers to access funds within hours or days of applying. This can be crucial in situations where time is of the essence, such as when facing a medical emergency or urgent financial need.

  • Quick access to funds
  • Flexible repayment options
  • No collateral required
  • Available to individuals with poor credit

In addition to their quick approval process, emergency loan in Kenya also offer flexible repayment options. Borrowers can choose repayment terms that suit their financial situation, making it easier to manage the loan and avoid falling into further financial hardship.

Usefulness of Emergency Loan

Emergency loan can be incredibly useful in helping individuals navigate unexpected financial challenges. Whether facing a medical emergency, sudden job loss, or car repair, these loans can provide the necessary funds to cover expenses and ease the financial burden. In many cases, emergency loan can mean the difference between financial stability and financial distress.

Furthermore, emergency loan can help individuals avoid more expensive forms of credit, such as payday loans or credit card cash advances. By providing access to quick, affordable financing, these loans can help borrowers avoid high interest rates and excessive fees.

Considerations Before Applying for an Emergency Loan

Before applying for an emergency loan in Kenya, it is important to carefully consider the terms and conditions of the loan, including interest rates, repayment terms, and any additional fees. Borrowers should also assess their ability to repay the loan on time to avoid falling into a cycle of debt.

  • Compare multiple lenders
  • Read the fine print
  • Ensure affordability of repayments
  • Avoid borrowing more than needed


Emergency loan in Kenya can be a valuable financial tool for individuals facing unexpected expenses or financial challenges. With their quick approval process, flexible repayment options, and accessibility to individuals with poor credit, these loans can provide much-needed financial relief in times of crisis. However, it is important for borrowers to carefully consider the terms and conditions of the loan before applying to ensure that they can afford the repayments and avoid further financial hardship.


What is an emergency loan?

An emergency loan is a short-term loan that is designed to provide quick financial assistance to individuals facing urgent financial needs or unexpected expenses.

Who can apply for an emergency loan in Kenya?

Anyone who is a Kenyan citizen or resident with a regular source of income can apply for an emergency loan in Kenya. Some lenders may have specific eligibility criteria, so it is advisable to check with individual lenders.

How quickly can I get an emergency loan in Kenya?

Many lenders in Kenya offer quick approval and disbursement of emergency loan, with some providing funds within 24 hours of application approval. However, the processing time may vary depending on the lender and the documentation provided.

What is the typical repayment period for an emergency loan in Kenya?

The repayment period for an emergency loan in Kenya is usually short-term, ranging from a few weeks to a few months. It is essential to review the terms and conditions of the loan agreement to understand the repayment schedule.

Is collateral required for an emergency loan in Kenya?

Most emergency loan in Kenya are unsecured, meaning that they do not require collateral. However, some lenders may request collateral for larger loan amounts or for individuals with a lower credit score.

What are the interest rates for an emergency loan in Kenya?

Interest rates for emergency loan in Kenya vary among lenders and may depend on factors such as the loan amount, repayment period, and the borrower's creditworthiness. It is important to compare rates from different lenders to find the most affordable option.