Loans without income documents - only ID and phone

Microlenders do not require salary certificates, guarantors or collateral. Scoring analyses the application form, phone activity and credit history - a decision takes 10-20 minutes.

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Lendplus logo
LendplusAVENTUS TECHNOLOGY…
long term
Up to
30,000 KSh
Up to
61 days
Rate
per tariff
Daviva logo
DavivaPESAKUU CREDIT LIMITED. P.O. Box 30834 00100. G.P.O NAIROBI customer@daviva.ke…
long term
Up to
30,000 KSh
Up to
61 days
Rate
per tariff
Zenka logo
ZenkaZenka Digital Limited. Phone: +254 (0) 207650878. E-mail: <a href="mailto:suppor…
long term
Up to
30,000 KSh
Up to
180 days
Rate
per tariff
Moneyhello logo
MoneyhelloSIA FINLEADGLOBAL…
Up to
200,000 KSh
Up to
30 days
Rate
per tariff

Loan picks for your goal

online loan

loan without denial

first loan at 0%

loan with bad credit history

24/7 loan

fast loan online

business loan

FAQ

Is taking an online loan safe?

Yes, if you deal with companies licensed by the local regulator: the contract is official, data is transmitted securely and activity is regulated by law. Avoid companies demanding an upfront payment before disbursal - those are scammers.

What do I need to get a loan?

An ID, a personal tax number or equivalent, a bank card in your name and a mobile phone. Minimum age 18. No income certificates required.

Does the Calcix service cost anything?

No, it is free for you. We receive a reward from financial companies for successfully arranged loans, so you can use comparisons, calculators and filters for free.

What are the chances of refusal?

Microlenders approve most applications, but nobody guarantees approval. Improve your chances: apply to one company at a time, fill the form exactly per your ID, start with a smaller amount.