Unsecured loans in Kenya — no collateral, no logbook
Every Brisk Credit product is unsecured. No title deed, no logbook, no household goods listed against your name. That is a deliberate position, not a promotion.
Why unsecured matters
Secured lending puts the thing you earn with on the table. A trader who loses their stock, or a rider who loses their bike, has lost the ability to repay — which serves neither side. Lending against demonstrated income rather than seized assets keeps a borrower working through a difficult month.
What we assess instead
Your business or income history, your repayment record with us, and the size of the request relative to what you actually turn over. First-time borrowers usually start smaller and grow their limit by repaying.
Available across every product
Shaba (business), Shaba Kilimo (farmer groups) and Shaba Rider (riders) are all unsecured. There is no Brisk product that requires collateral.
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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