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CreditMoja Loan App Review: Limits, Interest Rates, Requirements & Alternatives in Kenya

CreditMoja is a CBK-licensed digital loan app in Kenya offering short-term to medium-term mobile loans to individuals who need fast access to credit. Designed for everyday financial needs, CreditMoja provides flexible repayment periods and loan limits suitable for salaried and self-employed Kenyans.

In this article, we explore how CreditMoja works, loan limits, interest rates, eligibility, repayment terms, and how it compares with other popular loan apps in Kenya.

Creditmoja loan app Kenya
Creditmoja Loan App Kenya 

Read Also; How to get Safaricom Ussd loans via M-Pesa in Kenya 

What Is CreditMoja Loan App?

CreditMoja is a mobile-based lending platform that allows eligible users to borrow money directly from their phone and receive funds through M-Pesa. As a Central Bank of Kenya (CBK) licensed lender, CreditMoja operates under Kenya’s digital credit regulations, giving borrowers added confidence compared to unregulated loan apps.

The app targets borrowers who need quick cash with flexible repayment timelines, whether for emergencies, bills, or short-term business needs.

CreditMoja Loan Features

Here are the key features of the CreditMoja loan app:

  • Loan Amount: KSh 2,500 – KSh 25,000

  • Repayment Period: 91 days to 365 days

  • Interest Rates:

    • Minimum APR: 12%

    • Maximum APR: 50%

  • Loan Type: Unsecured personal loans

  • Disbursement Method: M-Pesa

  • Lender Status: CBK licensed

The wide repayment window makes CreditMoja suitable for borrowers who prefer spreading repayments over several months.

CreditMoja Loan Requirements

The loan requirements for CreditMoja are similar to most mobile loan apps in Kenya. To qualify, you generally need:

  • A valid Kenyan national ID

  • An active M-Pesa number registered in your name

  • A smartphone with internet access

  • Proof of regular income (salaried or self-employed)

  • A good or improving digital credit profile

Like many digital lenders, CreditMoja assesses borrowers using alternative credit scoring methods, including mobile money usage and repayment history.

How to Apply for a CreditMoja Loan

The application process is fully digital:

  1. Download the CreditMoja app from a trusted app store

  2. Register using your phone number and ID details

  3. Complete your profile and allow required permissions

  4. Select a loan amount and repayment period

  5. Submit your application and wait for approval

  6. Receive funds via M-Pesa once approved

Approval times are usually fast, especially for repeat borrowers.

CreditMoja Loan Repayment

Loan repayment is done through M-Pesa, following the instructions provided in the app. Paying on time helps you:

  • Avoid penalties

  • Improve your credit score

  • Qualify for higher loan limits in the future

Late repayments may attract additional charges and negatively affect your digital credit history.

Is CreditMoja Legit in Kenya?

Yes. CreditMoja is a CBK-licensed lender, which means it complies with Kenya’s digital lending regulations. This places it in the same regulated category as lenders like Tala, Branch, Zenka, and Loop, unlike illegal or unlicensed loan apps that often misuse customer data.

CreditMoja Compared to Other Loan Apps in Kenya

To show how CreditMoja fits into Kenya’s lending ecosystem, here’s a comparison with other well-known apps:

Loan AppLoan Limits (KSh)Repayment PeriodAPR RangeCBK Licensed
CreditMoja2,500 – 25,00091 – 365 days12% – 50%Yes
Tala500 – 50,000Up to 60 daysVariesYes
Branch500 – 300,000FlexibleVariesYes
Zenka500 – 30,0001 – 6 monthsUp to ~36%Yes
Loop Pesa6,000 – 40,000100 – 300 days13% – 29%Yes

This comparison shows that CreditMoja stands out for its longer repayment duration, which can be helpful for borrowers who want lower periodic repayments.

Who Should Consider CreditMoja?

CreditMoja is best suited for:

  • Borrowers who need small to medium loan amounts

  • Users looking for longer repayment periods

  • Kenyans who prefer borrowing from CBK-regulated lenders

  • Individuals building or rebuilding their digital credit profile

Final Verdict

CreditMoja is a legitimate and regulated loan app in Kenya offering flexible loan limits, extended repayment durations, and transparent APR ranges. While its maximum loan amount is lower than some competitors, the longer repayment period makes it appealing to borrowers who want manageable installments.

For Kenyans seeking a regulated alternative to short-term mobile loans, CreditMoja is a solid option worth considering.


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