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Instant Approval • NO CRB CHECKS

Instant M-PESA Loans Up To KSh 30,000.

Get quick access to cash with 6% flat rate interest, zero CRB checks, no KRA PIN required, and 1 eligible guarantor!

No CRB Check

100% Guaranteed Access

1 Guarantor Needed

Must have no running loan

Learn How It Works

Loan Calculator

Dream Cash Credit Limited

6% Flat Rate
KSh 10,000
KSh 3,000 KSh 15,000 KSh 30,000
Principal Loan Amount: KSh 10,000
Joining Fee (Flat): KSh 200
Processing Fee (Fixed): KSh 500
Interest (6% Flat Rate): KSh 600
Total Loan Repayment Principal + 6% Interest
KSh 10,600
Upfront Fees Payable (Joining + Processing): KSh 700
Why Choose Us

Simple, Transparent & Accessible Credit

Designed to help everyday Kenyans get loans without complicated CRB hurdles or lengthy paperwork.

NO CRB Checks

Your past credit score won't stop you. We do NOT perform CRB checks or blacklist checks during approval.

1 Simple Guarantor

All you need is 1 trusted guarantor. The guarantor MUST NOT have an active/running loan with Dream Cash Credit.

6% Flat Interest

Clear and fair borrowing terms. Enjoy a flat 6% interest rate on your loan principal with zero hidden charges.

Instant M-PESA Payout

Once approved and fee verified, cash is transferred directly to your M-PESA registered phone number.

4 Fast Steps

How To Receive Your M-PESA Loan

No paperwork or KRA PIN required. Follow these steps to get funded today.

1

1. Select Loan Amount

Choose between KSh 3,000 and KSh 30,000 on our calculator to view exact fees and interest.

2

2. Enter Borrower Details

Provide your Full Name, Active M-PESA Phone Number, National ID, and Occupation/County.

3

3. Add 1 Guarantor

Provide your guarantor's details. They MUST NOT have an active/running loan with Dream Cash Credit.

4

4. Fee & M-PESA Disburse

Pay Joining Fee (KSh 200) + Processing Fee (KSh 500 or 5%) to unlock instant M-PESA disbursement.

Official Schedule

Transparent Fee Structure

Know exact fees based on your borrowed principal before submitting.

Standard Loans

KSh 3,000 to KSh 10,000

Fixed Fees
  • Joining Fee:KSh 200 (Flat)
  • Processing Fee:KSh 500 (Fixed)
  • Interest Rate:6% Flat Rate
  • Total Upfront Fees:KSh 700

Higher Capacity Loans

Above KSh 10,000 to KSh 30,000

Percentage Tier
  • Joining Fee:KSh 200 (Flat)
  • Processing Fee:5% of Principal Amount
  • Interest Rate:6% Flat Rate
  • Total Upfront Fees (e.g., 20k):KSh 1,200 (200 + 1,000)
Questions & Answers

Frequently Asked Questions

Do you run CRB checks on applicants?

No! Dream Cash Credit Limited does NOT perform CRB checks or CRB status validation. Anyone with a valid National ID and an eligible guarantor can apply regardless of CRB listings.

What are the requirements for my Guarantor?

You need 1 Guarantor (Full Name, National ID, Phone Number). The essential rule is that your Guarantor MUST NOT have an active/running loan with Dream Cash Credit Limited.

Do I need a KRA PIN?

No, KRA PIN validation is completely eliminated from our application process to speed up loan disbursements.

How are the Joining and Processing fees calculated?

The Joining Fee is fixed at KSh 200 for all loans. For loans between KSh 3,000 and KSh 10,000, the Processing Fee is fixed at KSh 500. For loans above KSh 10,000 up to KSh 30,000, the Processing Fee is calculated as 5% of the loan amount.

Customer Support

+254 (0) 700 000 000

support@dreamcashcredit.co.ke

Headquarters

Dream Cash Credit Ltd Towers

Kilimani, Nairobi, Kenya

WhatsApp Helpline

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