#loan apps kenya 2026

Mobile Loans in Kenya Compared 2026: M-Shwari vs KCB M-Pesa vs Fuliza vs Tala

The same KES 5,000 mobile loan can cost you KES 375 or KES 1,500 depending on the app. We compare M-Shwari, KCB M-Pesa, Fuliza, Tala, Branch and the Hustler Fund — real 2026 fees, terms and the traps to avoid.