Reviews
Salary Advance Loans Updated: 14. 04. 2026

OKash Loan – review 2026

3,8 / 5

OKash is a mobile lending application developed by Opera Group, offering instant salary advance and personal loans of between KES 1,500 and KES 50,000 to Kenyan borrowers. The app uses smartphone data and mobile money history for credit assessment. OKash is registered as a digital credit provider in Kenya under CBK regulations.

Pros

  • Loans up to KES 50,000 for qualifying borrowers
  • Instant disbursement to M-Pesa
  • Backed by Opera Group, a publicly listed company
  • Application process completed within 5 minutes
  • CBK-registered digital credit provider

Cons

  • Effective annual interest rates are high
  • Initial borrowing limits for new users are low
  • Aggressive collection practices have been reported
  • CRB listing on default
  • Privacy concerns regarding data access permissions

Requirements

  • Kenyan national ID
  • Active M-Pesa account
  • Android smartphone with OKash app installed
  • Minimum age of 18 years
  • Regular mobile money transaction history

Provider contacts

Name
Blue Ridge Microfinance Bank Limited (OKash product, Opera Group)
Address
Nairobi, Kenya
Reg. number
CBK/DCRP/2022/007
Website
Regulator
Central Bank of Kenya (CBK)

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.