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

Company information

Name: Blue Ridge Microfinance Bank Limited (OKash product, Opera Group)
Address: Nairobi, Kenya
Web: https://www.okash.co.ke

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.