Loan Apps That Do Not Check CRB Status [2021]


Okash is a loan app provided by OneSpot Technology Investment Ltd.

As long as borrowers can meet their eligibility criteria below which is outlined within their Okash loan app.

OKash loans are not limited to your profession, income, or any other conditions. As long as you are 20-55 years old, you have a fixed income and phone number, you can apply for an OKash loan.

Okash loans range from Ksh2,500 to Ksh50,000 at interest rates of between 14-16% at repayment durations of ’91’ or ’92’ days.

However, their interest rates are usually deducted prior to loan disbursement thus borrowers will end up with an amount less than what they had initially applied for.

Download Okash here via the playstore


Opesa loan app is usually referred to as the sister to Okash loan app due to their similarities in operations.

Nonetheless, Opesa loan app is provided by TK Limited.

Opesa’s decision during loan approvals below can be found within the app and is basically based on a borrower’s phone data e.g handset details, MPESA/Mshwari financial transactions and reason for borrowing.

This is further combined with a user’s repayment history so as to generate an individualized credit score that will determine the loan offer suitable to the borrower.

Opesa loans range from Ksh2,000 to Ksh50,000 at 14-16% interest rates repayable within ’91’ or ’92’ days.

Like Okash, Opesa loan app also deducts interest upfront.

Borrowers can download the Opesa loan app via the play store


M-Fanisi is a loan service offered by Maisha microfinance bank.

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In-order to be eligible, applicants must be 18 years and above and have an active M-PESA transaction record.

M-Fanisi loans rage from Ksh200 to Ksh25,000 at a 10% interest rate repayable within 30 days from the date of disbursement.

To access M-Fanisi loans, borrowers can download the M-Fanisi loan app from the playstore or use their M-Fanisi loan USSD code *281# for Safaricom subscribers or *222# for Airtel subscribers.


Mokash is a product offered by Mocash. They offer loans of between Ksh1000 to Ksh30,000 for a period of 8 days.

To access Mokash loans, applicants need to download the Mokash loan app from the Google playstore.