SwiftCash Blog

Money Tips for Kenyans

Practical guides on mobile loans, M-Pesa, CRB, budgeting, and building financial resilience — written for real Kenyan lives.

Loan App Reviews
Zenka Loan App Kenya Review: Fast Cash or Too Expensive?

Zenka Finance built its reputation on a first-loan-free offer that is hard to beat. But what happens after that first loan? This review digs into Zenka's real rates, …

7 min read 25 Jun 2026
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Consumer Rights
Which Kenyan Loan Apps Report to CRB — And Which Ones Don't?

CRB listing can lock you out of credit for years — but not all Kenyan loan apps report. Here is what you need to know about which lenders …

7 min read 25 Jun 2026
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Financial Tips
What Is a Processing Fee on a Loan — And Is It Legal in Kenya?

Processing fees on loans are common in Kenya, but many borrowers are unsure what they cover and whether lenders are allowed to charge them. Here's a plain-language breakdown.

7 min read 25 Jun 2026
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Consumer Rights
What Is a Digital Credit Provider (DCP) Licence in Kenya?

Kenya's DCP licence is the CBK's stamp of approval for mobile lenders — and it matters more than most borrowers realise. Here's what it means and why you …

7 min read 25 Jun 2026
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Consumer Rights
What CBK Regulations Apply to Mobile Lenders in Kenya in 2025?

The Central Bank of Kenya has significantly tightened the rules governing mobile lenders since 2022. Here is what those regulations mean for borrowers in 2025.

7 min read 25 Jun 2026
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Financial Tips
Using a Short-Term Loan to Stock Up Before the Festive Season in Kenya

The festive season is Kenya's biggest trading period. A well-timed loan can help small business owners stock up and capture the surge in demand.

7 min read 25 Jun 2026
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Loan App Reviews
Timiza by Absa Kenya Review: Loans, Insurance, and Hidden Fees Explained

Timiza by Absa Kenya offers loans, savings, and insurance from a single app — but the fee structure and insurance charges have confused many borrowers. This review breaks …

7 min read 25 Jun 2026
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Mobile Loans
The Rise of Digital Lending in Kenya: Opportunities and Risks

Digital lending has transformed credit access in Kenya, but it has also created new risks for borrowers. Here is what you need to know before you apply.

7 min read 25 Jun 2026
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Phone Loans
The Rise of Device Financing in Kenya: What It Means for Financial Inclusion

Device financing is no longer just about selling phones — it is becoming one of the most powerful tools for bringing millions of Kenyans into the formal financial …

7 min read 25 Jun 2026
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Loan App Reviews
The Most Expensive Loan Apps in Kenya: What the APR Numbers Really Say

Most Kenyan loan apps quote flat fees rather than APR — but when you annualise the numbers, the real cost of borrowing is often shocking. Here is what …

7 min read 25 Jun 2026
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Loan App Reviews
The 10 Best Loan Apps in Kenya in 2025 — Ranked and Reviewed

From Tala and Branch to M-Shwari and SwiftCash, we rank and review the 10 best mobile loan apps in Kenya for 2025 — speed, rates, limits, and reliability.

7 min read 25 Jun 2026
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Financial Tips
Single Parents in Kenya: How to Manage Finances and Access Credit When It's Tight

Single parents in Kenya carry enormous financial pressure on one income. This guide offers practical tips on budgeting, emergency credit, and using mobile loans wisely when money is …

7 min read 25 Jun 2026
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