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
MCo-op Cash Review: Co-operative Bank's Mobile Loan Explained

MCo-op Cash is Co-operative Bank's mobile banking and loan product. We break down the loan limits, rates, eligibility, and how it compares to alternatives.

7 min read 22 Jun 2026
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Loan App Reviews
M-Shwari vs. KCB M-Pesa: A Side-by-Side Comparison for Kenyan Borrowers

M-Shwari and KCB M-Pesa are both built into the M-Pesa app but they work very differently. We compare loan limits, fees, Lock Savings, and which is better for …

7 min read 22 Jun 2026
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Loan App Reviews
M-Shwari Review 2025: Savings, Loans, and Whether NCBA's Product Delivers

M-Shwari has been part of the Kenyan financial landscape since 2012. In 2025, is it still delivering value for savers and borrowers, or has it been overtaken by …

7 min read 22 Jun 2026
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M-Pesa
M-Pesa vs. Bank Transfer: Which Is Better for Receiving Loans in Kenya?

When a lender asks how you want your money, does it matter which option you choose? Spoiler: for most Kenyans, M-Pesa wins. Here's the full breakdown.

7 min read 22 Jun 2026
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M-Pesa
M-Pesa Paybill vs. Till Number: What's the Difference When Paying Loans?

Paybill number? Till number? Account number? When repaying a loan, getting the payment method wrong can mean your money goes nowhere — or to the wrong place. Here's …

7 min read 22 Jun 2026
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M-Pesa
M-Pesa Mali vs. Money Market Funds in Kenya: A Beginner's Comparison

Heard about M-Pesa Mali but not sure how it compares to a regular money market fund? Here's a plain-language breakdown of what each offers, who they're for, and …

7 min read 22 Jun 2026
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Phone Loans
Locked vs. Unlocked Phones on Credit in Kenya: What's the Difference?

Buying a phone on credit in Kenya? Whether the device is locked or unlocked matters more than most buyers realise. Here's the full breakdown.

7 min read 22 Jun 2026
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Mobile Loans
Loans Without Collateral in Kenya: What Are Your Options?

Most Kenyans don't have a title deed or car log book to offer as security. The good news? You don't need one. Here are your best options for …

7 min read 22 Jun 2026
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Financial Tips
Loan-to-Income Ratio: The Number Lenders Check Before Approving You

Before approving your loan, lenders quietly do a quick calculation: how much do you earn vs how much you owe? Here's what they find — and what you …

7 min read 22 Jun 2026
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Consumer Rights
Loan Apps in Kenya That Were Banned or Delisted by CBK — And Why

Kenya's Central Bank revoked or refused licences for dozens of digital lenders. We explain which apps were affected, the specific violations CBK cited, and what this means for …

7 min read 22 Jun 2026
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Loan App Reviews
Lipa Later vs. Aspira: Which BNPL Platform Is Better for Kenyan Shoppers?

Lipa Later and Aspira both promise buy-now-pay-later convenience for Kenyan shoppers. We break down the fees, limits, and fine print so you can choose wisely.

7 min read 22 Jun 2026
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Mobile Loans
Kenya's Credit Market in 2025: Trends Every Borrower Should Know

Kenya's credit market is changing fast. From new regulations to shifting lending habits, here's what every borrower needs to understand heading into 2025.

7 min read 22 Jun 2026
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