What is the best alternative to Tuma Loan in Kenya?

For Kenya, start by comparing LEO CASH, LendPlus, and Kashbean. LEO CASH is explicit about decisions in about 3 minutes, while LendPlus supports applying via mobile app or web and focuses on M-Pesa disbursement.

What can I use instead of Tuma Loan if I want a loan paid to M-Pesa within minutes?

If speed to M-Pesa is the priority, compare LendPlus and Koro first. Both are positioned around quick M-Pesa payouts, and Koro also publishes a higher ceiling, up to 200,000 KES.

Which apps like Tuma Loan let you apply without relying only on an Android app?

If you want a web option alongside mobile, LendPlus is a good place to start because it accepts applications via mobile app or web. You can also compare LEO CASH, which is positioned as an online cash-loan app in Kenya.

Is Tuma Loan available outside Kenya?

No, Tuma Loan is described as operating exclusively in Kenya, so you will need a Kenya-based alternative if you are elsewhere. If you are still in Kenya and just want a similar app, compare ZK Pesa or PesaIn, both listed as Kenya-focused lending apps.

How does Tuma Loan pricing compare with other Kenya digital loan apps?

Tuma Loan describes pricing that can fall in an 18% to 36% APR range, plus possible small M-Pesa transaction charges (about KSh 20 is cited). Since competitors like Kashbean emphasise transparent fees, always check the total repayment amount and any mobile money charges before you accept an offer.

Which Tuma Loan competitor is best if I want a shorter repayment term?

If you prefer short repayment windows, compare Zenka because it states terms up to 61 days. For longer stated ranges, LEO CASH lists terms of 91 to 365 days, so it can suit different pay cycles.

Do any Tuma Loan alternatives pay out to a bank account as well as M-Pesa?

Yes, DG Loan is described as disbursing to M-Pesa or bank accounts in Kenya. If you want a bank-linked product specifically, Choice Sasa Loan is positioned as a Choice Microfinance Bank app with payout to M-Pesa wallets or bank accounts.

62 Best Tuma Loan Alternatives & Competitors (2026)

The most relevant Tuma Loan alternatives in Kenya for 2026 are ZK Pesa, LEO CASH, Meta Loan, LendPlus, and PesaIn. The right choice depends on how you want to receive money (M-Pesa only vs M-Pesa plus bank), how fast you need a decision, and whether you prefer app-only or web signup.