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A List of P2P (Peer-to-Peer) Lenders in Kenya is by definition a compiled directory of digital lending platforms that connect borrowers directly with individual or institutional investors through online platforms; this list typically includes platforms that specialize in personal loans, business loans, microloans, and asset-backed lending.
In Kenya, the P2P list gives borrowers an overview of available options and investors a snapshot of where they can deploy capital by featuring the Kenyan peer-to-peer lenders together.
What are P2P Lenders in Kenya ?
P2P lenders in Kenya are digital platforms that connect borrowers directly with individual or institutional investors, removing the need for a traditional bank as the middleman; through these platforms, people who need money for personal, business, or emergency use can apply for loans online or via mobile apps, while investors provide the funds in exchange for interest.
How can I become eligible for a P2P loan in Kenya ?
Here’s a step-by-step checklist for becoming eligible for a P2P loan in Kenya:
📌 Step-by-Step Checklist to Qualify for a P2P Loan in Kenya
- Verify Your Identity
- Have a valid Kenyan National ID or passport ready.
- Ensure your personal details match across all documents.
- Confirm Age Requirement
- You must be 18 years or older to apply.
- Provide Proof of Income or Cash Flow
- Share payslips if employed, or business records if self-employed.
- Alternatively, ensure you have a strong mobile money history (e.g., M-Pesa transactions) to show repayment ability.
- Maintain an Active Bank or Mobile Wallet Account
- Loans are disbursed to and repaid from mobile money (like M-Pesa) or bank accounts.
- Keep your account active with regular transactions.
- Submit Contact & Residence Information
- Valid mobile number and email address.
- Proof of residence (utility bill, rental agreement, or official letter) if requested.
- Build a Positive Loan History
- Repay any existing loans on time.
- Avoid defaults, as repayment history is often used instead of formal credit checks.
- Complete the Online Application
- Fill in details accurately on the P2P lending platform.
- Upload or link your documents for quick verification.
Which P2P platforms are active in Kenya (List) ?
Here’s a curated list of peer-to-peer (P2P) lending platforms active in Kenya, based on credible sources:
P2P Lending Platforms in Kenya
- Zidisha – A nonprofit global microlending platform that directly connects lenders to entrepreneurs in Kenya, allowing small business owners to access funding without intermediaries.
- UbaPesa – A mobile-first P2P lending app operating in real time, enabling individuals to both lend and borrow seamlessly via their phones.ubapesa.com+1
- PesaZetu – A crowdfunding/P2P platform offering microloans for business, health, and education needs; uses M-Pesa for disbursement and repayments.
- Kenfas (Kenfas Investment Group) – A digital P2P platform facilitating direct peer lending and borrowing with a focus on transparency and SME support.Kenfas Investment Group+1
- Tala – A leading fintech company offering digital loans across East Africa, including Kenya. Operates using data-driven underwriting and mobile delivery—often categorized within P2P-style lending models.
- 4G Capital – A Kenyan fintech offering unsecured digital working capital loans to MSMEs via mobile platforms. Although not labeled strictly as P2P, its digital lending model mirrors peer-to-peer dynamics in its accessibility and investor-like structure.