How to choose a lending company in Kenya
Every lender in this market calls itself the best. A more useful exercise is knowing what to check — then applying the same five questions to us and to everyone else.
1. What is the total cost in shillings?
Not a percentage, not "from" a rate — the actual figure you will repay. If a lender cannot state it before you accept, that is the answer. Brisk: 30% of the principal on a 30-day cycle for business and boda loans, 10% for agricultural group loans, plus a one-off KSh 500 registration fee.
2. Is collateral demanded?
Logbooks and title deeds put the thing you earn with at risk. All Brisk products are unsecured.
3. What happens if you repay early?
Some lenders charge the full interest regardless. Brisk reduces Shaba and Shaba Rider from 30% to 21% when you finish within 21 days.
4. Is the lender regulated?
Digital credit providers in Kenya fall under Central Bank of Kenya regulation. Ask. Brisk Credit Ltd operates under that framework.
5. Is there somewhere to walk in?
App-only lenders leave you with a support ticket when something goes wrong. Brisk operates 42 branches across Kenya with loan officers you can meet.
Loan terms at a glance
| Product | Who it is for | Rate (30-day cycle) |
|---|---|---|
| Shaba | Individual business owners | 30% · 21% if repaid by day 21 |
| Shaba Kilimo | Women & youth farmer groups | 10% flat |
| Shaba Rider | Boda boda riders | 30% · 21% if repaid by day 21 |
All products: KSh 5,000–100,000 · unsecured · one-off KSh 500 registration fee, never deducted from the loan · disbursed to M-Pesa · repaid via Paybill 4106969.
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