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
Hustler Fund Review: Kenya's Government Loan Programme Explained

The Hustler Fund was launched with ambitious promises — affordable credit for millions of Kenyans who have been excluded from the formal financial system. Two years in, what …

7 min read 22 Jun 2026
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Mobile Loans
How Much Can You Borrow on a Mobile Loan in Kenya?

Mobile loan limits in Kenya vary widely — from a few hundred shillings to tens of thousands. Understanding what determines your limit and how to increase it can …

7 min read 22 Jun 2026
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M-Pesa & Payments
How M-Pesa Changed the Way Kenyans Borrow Money

Before M-Pesa, getting a loan in Kenya meant queuing at a bank, filling stacks of paperwork, and waiting weeks for approval. M-Pesa rewrote those rules entirely — and …

7 min read 22 Jun 2026
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Borrower Guides
How Kenyan Gig Workers — Uber, Bolt, and Freelancers — Can Access Credit

Kenyan gig workers drive the digital economy — but traditional credit still treats them as unbankable. From Uber and Bolt drivers to online freelancers, here's how to navigate …

7 min read 22 Jun 2026
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Loan App Reviews
Fuliza vs. Tala vs. SwiftCash: When to Use Each

Fuliza, Tala, and SwiftCash each fill a different gap in Kenya's mobile credit market. Understanding which tool fits which situation can save you real money and prevent the …

8 min read 22 Jun 2026
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Loan App Reviews
Fuliza Review: Is M-Pesa's Overdraft Feature a Lifesaver or a Debt Trap?

Fuliza has become the most widely used credit product in Kenya — but millions of users are unknowingly paying daily fees that quietly drain their M-Pesa balance. Here's …

7 min read 22 Jun 2026
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Mobile Loans
First-Time Borrower's Guide to Getting a Mobile Loan in Kenya

Taking your first mobile loan in Kenya can feel daunting — especially with so many lenders and confusing fee structures. This step-by-step guide covers everything a first-time borrower …

7 min read 22 Jun 2026
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Personal Finance
Financial Goals Every Kenyan in Their 20s Should Set

Your 20s are the most financially consequential decade of your life — not because you'll earn the most, but because the habits and structures you build now compound …

8 min read 22 Jun 2026
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Loan Use Cases
How to Finance a Wedding in Kenya Without Going Into Crippling Debt

A Kenyan wedding is one of the most joyful events in a family's life — and one of the most expensive. Between the ruracio, the church wedding, and …

7 min read 22 Jun 2026
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Phone Loans
Best Ways to Finance a Mobile Phone in Kenya in 2025

From Lipa Mdogo Mdogo to instant mobile loans, Kenyans have more phone financing options in 2025 than ever before. We break down the best routes depending on your …

7 min read 22 Jun 2026
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Personal Finance
Emergency Fund vs. Emergency Loan: Which Should You Choose?

A burst pipe, a hospital bill, a car breakdown — emergencies don't wait for payday. Knowing whether to tap your savings or take a quick loan can save …

7 min read 22 Jun 2026
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Boda Boda Loans
How Electric Boda Bodas Are Changing the Loan Market in Kenya

Electric motorcycles are arriving in Kenya's boda boda market with a promise of lower running costs — but the financing models are still catching up. Here is what …

7 min read 22 Jun 2026
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