Author: ctonemedia

Top10 Best Loan Apps in Kenya in 2025
1. Berry
Described as a unique mobile money lending app, Berry offers low-cost instant mobile loans in Kenya with flexible repayment schedules. First, you have to download the app from Google Play Store and then register on Berry. Once the system officials have verified your identity, you can then access their loans. The first loan cannot exceed Ksh. 500 and then the amount gradually rises to Ksh. 50,000. The service fee on Berry loans is charged at 9-16% of the principal amount. The repayment is done through the app and is a self-explanatory process.
2. Tala
Tala is available on Google Play Store, and once you have downloaded the app, you can sign up and start accessing quick mobile loans in Kenya. You must provide your details for your account to be verified.
Tala provides personalised loans based on your digital credit history. Here you can track your credit using My Tala Status and repay the whole amount at once or in partial payments. You can repay your loan using Mpesa Xpress or through the paybill number 851900.
3. Mshwari by Safaricom
Mshwari is one of the most widely used mobile loan services in Kenya. It is not just a lending platform but a paperless banking service that allows users to save in addition to borrowing. Saving money through Mshwari earns you a 6.65% interest per annum. You access loans of a minimum of Ksh. 100 and the limit rises based on your credit history. You can only access Mshwari loans if you have Safaricom line.
4. KCB M-Pesa
This is another mobile money lender affiliated with Safaricom although it is owned the Kenya Commercial Bank. KCB M-Pesa also enables you to save, thus enabling you to borrow. KCB M-Pesa can be accessed through the M-Pesa menu on your phone, so you must have a Safaricom sim card as well. KCB M-Pesa has a special feature called top-up that allows you to request for a loan more than once as long as you have not exceeded your limit.
5. Timiza from Barclays
Banks have not been left behind when it comes to mobile loans apps in Kenya. Timiza is an app by Barclays bank that allows users to do all kinds of banking from their phones. Services that are offered through Timiza include loans, fund transfers, insurance purchases and many more. Timiza app is available on Google Play Store, but for those who can’t access it, they can dial #848 to register.
6. Branch
Branch is one of the most established mobile money lenders in and outside of the country. Through Branch, one can access up to Ksh. 70,000 from their smartphones at any time. All you have to do is download the Branch app on Google Play Store and follow easy steps to register. Loans are approved in less than 24 hours, and there are no hidden fees. The lender does not charge late fees or rollover fees which is why the app is preferred by many people.
7. Shika
Shika is one of the credit apps that stand out by offering more than just loans. It is an SMS app with several cool features that facilitate text messaging. The app also provides the latest news on various topics ranging from politics, sports to entertainment. Shika acts like a portal for several lenders to give credits to their clients. The credits are tailored more towards startups in sectors such as agriculture, asset finance and invoice discounting.
8. iPesa
iPesa loan app offers credits from as low as Ksh. 500 to Ksh. 50,000. The shortest tenor for credits is 91 days while the longest is 180 days so you will have enough time to repay your credit. Their interest rate stands at 12% with no service fee. Once you download the app register with your M-Pesa number and then apply for the exact amount, you need. If you repay your credits on time, your credit limit will be set at Ksh. 50,000.
9. Zenka
If you have not used Zenka app to borrow credits, you will love it. The first credit is interest and service fee-free. It means you only have to pay the amount you borrowed within the stipulated time, which is usually 61 days. You can download Zenka app from their website Zenka and install it on your phone. After filling the application form, you will receive the requested amount in less than five minutes.
10. Zidisha
Zidisha loan app is available in Google Play Store. Download it, register and start using the services. Zidisha functions as a non-profit peer to peer lending platform. It means that your credit will be coming from an independent lender and not the organization itself. The app is a portal where lenders and borrowers meet and transact their business. To qualify for a credit, you have to be employed or running a business, be active on Facebook, have a working Safaricom sim card, provide a national ID and have a good credit history.
September 12, 2021
How to pay for Netflix in Kenya
There is only one payment option that works for Netflix in Kenya – credit or debit cards. Generally, Visa, MasterCard, or American Express is acceptable.
Therefore, people using PayPal can make payment stress-free via M-Pesa because it contains a Visa logo. Can I pay Netflix with M-Pesa?
Yes, it is possible to pay for Netflix streaming services using M-Pesa. However, the process is not straight-forward; a direct payment mode is not available yet, for instance, something like Lipa na M-Pesa.
In the meantime, here is a step-by-step process on how to pay for Netflix using PayPal via M-Pesa:
1. Create a PayPal account if you do not have one already: Setting up a PayPal account can be done in less than two minutes. On your search box, search for the official PayPal website to sign up for free. Ensure the account bears the same name as that of your M-Pesa account for easy verification.
2. Link the PayPal account to your M-Pesa: Go to PayPal Money Service to link the account. You do not have to worry if the account is linked already. Follow the process as outlined on the website.
3. Make a deposit into your PayPal account: Go to your M-Pesa and deposit money into the PayPal account using Pay Bill Number 800088. Use your M-Pesa number as your account number.
4. Sign in to your Netflix account to update your account information: Log in to your account to set a payment plan. Fill in the credit option form fields with the correct information as it appears on your card. Details needed here, precisely, are your first and last name, card number, expiration date, and security code (CVV).
Now proceed to the “Account” then “Update payment info” and choose PayPal. Enter your email address then press “Next” for more directions and finally click “Agree & Continue” to complete the Netflix payment update process.
5. Payment accepted: Once the email is set, funds from your PayPal account will be automatically deducted from your account. The amount to be deducted will depend on your viewership plan. Overall, making Netflix payment online is as simple as explained here.
September 11, 2021
How To Renew Your Driving License in Kenya Online
Road safety begins with you. However, to make sure everyone who is on the road is worthy of being behind the wheel, the National Transport and Safety Authority provide driving licenses to all those that take and pass the driving test.
As is for most countries, Kenya included, you have to renew your driving license every 1-3 years and this is how you do it online.
How To Renew Your Driving License in Kenya Online
1. Log in to the NTSA/ eCitizen portal with your E-mail address (or National ID Number) and Password
2. Select National Transport and Safety Authority for online renewal of driving license in Kenya
3. Click on Submit Application, then Driving Licenses
4. You have two options for the renewal of a driving license in Kenya: a three-year license renewal that costs Ksh1400 or a one-year license at Ksh600. The NTSA charges a mandatory Ksh50 convenience fee in addition to the renewal charges.
5. Double-check and confirm your driving license renewal details, then click Apply Now. Finally, press Submit
6. Choose your preferred mode of payment. NTSA allows the use of mobile money such as M-Pesa. You can also pay using a Debit or Credit card
7. Print your driving renewal license slip.
September 10, 2021
5 ways on how to promote your YouTube channel as a YouTuber in Kenya
Live Videos has become the hottest trend in digital marketing in recent times and most people know it.
We have discovered that most businesses nowadays are starting to set up YouTube channels to grow their brand and reach to the modern audience unlike a while back whey they’d go for TV advertisements or billboards.
Well, setting up a YouTube channel is not a big deal, if you want to get noticed by the you need to know how to promote your YouTube channel.
Diamond Platnumz Biography; Age, Family, Education, Music Career, Networth
The sad truth is that there is a lot of fierce competition on YouTube and I trust that you know that. You might be putting a lot of time, effort and resources into creating amazing videos, but do you know how to promote your channel?
Never fear, we’re about to tell you 5 effective way on how to promote your YouTube channel, take notes.
Enable video distribution and encourage embedding
Did you know that you can promote your YouTube channel without paying? But you have to make sure your audience is able to do some of the work.
Be sure to double check the distribution options of your channel and ensure that you have enabled video embedding.
If customers, bloggers, business owners or other viewers love your video, that may wish to share it with other people. Allowing people to embed your videos means they can insert your content into their website, blog or YouTube channel.
Make playlists
Make your videos easier to find and enjoy by organizing them into consumable playlists.
Playlists will help to create a streamlined watching experience for your audience. In a playlist, each video runs on autoplay after the previous video finishes.
Playlists can also improve your rankings in search engines; the playlist title and description are additional opportunities for you to include keywords and target your audience.
Your playlists can be a collection of your most popular videos or an ongoing series.
Advertise on social media
Promotion your videos on your social platforms like Facebook, Instagram, Twitter etc is a great ideal for gaining views from an already-interested audience.
You could simply share a link to your video, but we’d advice you to share a trailer or an interesting part of the video that will get get you a better engagement. This is especially true for Facebook and Instagram.
In other words, learn how to promote your YouTube channel creatively! Produce a short video that introduces the subject matter and informs viewers about the longer video. Then upload that promo directly to your social media.
Engage with your community
YouTube is a social platform. If you want to find out how to promote your YouTube channel and become a star, you must engage with your audience.
Below are some of the ways that you can engage with your audience on YouTube:
1. Respond to comments left on your videos, answer questions, and click the heart icon on your favorite remarks. This will show that you are attentive to what your audience has to say.
2. Subscribe to other users’ channels and leave your own comments to show that you are an active participant in the YouTube community.
3. Create Q&A videos
4. Run giveaways and contests to reward existing subscribers, attract new viewers, and build a viewership of loyal, interested followers.
5. Collaborate with other content creators to expose your videos to a new audience.
Give your videos an irresistible title
When people are searching for videos on YouTube, the two main things that will grab their attention is the video thumbnail and the title.
The title is the first thing a person will read when they find your video. If you want to know how to promote your YouTube channel, you need to be able to write engaging, interesting titles for each of your videos.
Here are some tips for writing great titles:
1. Keep it short
2. Include keywords
3. Be compelling
4. Avoid clickbait
September 9, 2021
Easy Way to acquire HELB clearance certificate
The HELB clearance certificate form is among the key documents to be presented when applying for any job opportunity. It does not matter whether or not you benefited from the student loan program; you will need to present the document. Ideally, employers in the country find it necessary to know how much they can entrust their employees with credit resources. The HELB clearance certificate serves as proof that your employer or other Credit Reference Bureau agencies can trust you.
HELB documents are classified into two: The HELB compliance certificate – This is for the beneficiaries of the higher education loan that are currently paying their due amounts. The HELB clearance certificate – This one, on the other hand, is issued to loan beneficiaries who are done repaying the loan or anyone who did not get the loan but just require the clearance document. Initially, one had to travel to Nairobi then visit Anniversary Towers if they needed any of the two crucial documents. But things changed for the better after the government started to offer accessible online service. Still, most of these centres may send you to the HELB head office.
HELB clearance process for loan beneficiaries If you were fortunate to obtain the government financial assistance during your college or university years, it would be a more involving process.
Applying for the HELB Compliance Certificate
You can pay as low as Ksh 100 via Mpesa. Here’s the process: Open your Mpesa Menu, Lipa na Mpesa, then select Pay Bill Key in the business number 200800 When asked your account number, type your ID number, then enter the amount you wish to pay Enter your PIN, approve the deal, then send. Once done, you will get a confirmation SMS on your phone. To protect yourself from any future issues, keep the message.
HELB Clearance Certificate for loan beneficiaries
As already mentioned, you first have to clear the entire loan amount to qualify for this crucial certification. The first step would be to visit the head office at Anniversary Towers, where you will be supplied with an Enquiry Document to fill. Alternatively, you can visit the HELB website, Publication section, to download the PDF form for printing and filling. Once complete, you will have to submit the document to the relevant officials.
The following documents must accompany the form:
- Copies of your academic certificate and leaving certificate
- Copies of your transcripts and graduation papers
- Copy of your identification document
- A copy of the appointment letter from your employer
While presenting these documents, you also need to pay Sh. 1,000 to HELB Operations Account. The entire procedure should take a day, and the credential will be ready.
September 6, 2021
How to Apply for Good Conduct Certificate in Kenya
Good Conduct Certificate is increasingly becoming a basic requirement for many employers as it ensures a potential employee has no criminal history as documented by the Criminal Records Office (C.R.O.).
Here we take a look at all you need to know about the Certificate of Good Conduct including application, approval time and checking the authenticity.
How to Apply for Good Conduct Certificate
1. Duly fill a C24 application form which can either be downloaded from the e-Citizen portal at dci.ecitizen.go.ke, at the Huduma Centres or at the DCI offices located at Mazingira House, Kiambu Road.
2. Make online processing fee payment of Ksh1050 for the Police Clearance Certificate through the mobile money platforms.
3. Present the Original ID and its photocopy (or Birth Certificate for minors), two (2) copies of the online payment invoice and one (1) copy of the C24 printed on both sides of a C24 to DCI headquarters or regional police headquarters.
4. Allow your fingerprints and palm prints to be recorded on a prescribed fingerprint form C24.
September 5, 2021
Letter To My Fellow 20s
Dear My fellow 20s
Have you ever taken time to think or rather imagine, what if you’ll never become rich, what if you’ll not find the woman of your dreams, have you ever wondered why things never worked out the way you wanted
Well, these are just some of the questions that many youth, especially people in their 20s just like me fear to think about.
As little kids, I always knew that by my 20s, I would have made moves in life, infact, big moves. I always knew that I will end up a very rich person, even richer than former president Uhuru Kenya, Maybe richer than Aliko Dangote, Maybe I wouldn’t have been as rich as Bill Gates or Jeff Bezo’s but I was certain I would have been in the ranks of Alibaba….
Now I’m in my mid-twenties and I seem not to have a plan for all that. Every time I want to think through that I keep asking myself, where did I go wrong and that is the end of the discussion.
Lately, these questions disturbed me so much and I decided to at least think them through and see if I can get an answer.
I know many of you, especially if you are in your 20s or even early 30s, are struggling to make ends meet. We are at a point where in a few years we are going to have a lot of responsibilities and most of the dreams we had as little children are going to fade away and die.
While thinking about why I am not the person I had thought I would be, other questions came to my mind and I would also like to ask you.
What if you’ll never become rich and you’ll die a poor man or a poor woman just like the poor people you used to see when you were young?
What if you’ll end up marrying just another ugly lady that you impregnated and circumstances forced you to settle with her.
What if that beautiful, curvy, kind and intelligent woman you wanted to have was just a dream and the reality is the girlfriend you are having now
What if you’ll never get a job thus end up doing vibarua (day labor) here and there just to make ends meet for the rest of your life
It is even more painful to think, what your friends or the people you’ve known since when you were young and those you met in school will make it in life and its only you who will be unfortunate
Maybe that’s your fate, you were never to be rich.
If only you could know the end game maybe you’ll stop thinking a lot, you’ll stop working so hard for success that you’ll never see.
But we don’t know what’s ahead of us and that is why we keep on fighting and thanking God for every day that we wake up early. Maybe some good luck will come your way or maybe one of your friends or relatives will come through for you and you get a good job.
The 20s is the most dangerous period, you are not married but you are about to, maybe you don’t have kids but they are just around the corner, it has always been about you but soon you start having some unconditional responsibilities, F**K the 20s.
To be honest, I do not have an answer to what people in the 20s should do or think but what im certain is that there are high chances of disappointments.
Therefore, I think it is good to prepare for the worst, be ready for anything. No matter what, avoid depression at all cost, Stress And depression are two monsters that you should even be afraid of more than death.
I have heard and seen people who are depressed and all I can confirm is that you can be alive physically but inside you are dead.
Life is worth living and in the case whereby we fail to achieve our dreams, the late 20s is the best time to restructure your goals and dreams.
Maybe we will not achieve our childhood dreams because we planned without conducting a pilot study to know the obstacles that we will face.
Right now you know all the challenges, you know your potential, this is the best time to erase all the dreams you had and start writing down new dreams considering the challenges you are facing and the potential that you have. This is the best time to plan you life.
That will be all for today. My name is Clinton Wanjala. If you are interesting in learning how to start a photography business that pays, I have created a guide called How to Start a Photography Business in Kenya (And Actually Make Money). The guide contains my expert opinion on how you can make a successful career as a photographer in Kenya.
August 27, 2021
Diamond Platnumz Quotes
Here are a list of popular quotes from bongo/Afro pop East African star Diamond Platnumz
“The love that money can’t afford to buy, it comes naturally from God’s blessings.”
“If your mother and woman love each other so much, be grateful, and love them to the most, because it’s too rare to find.”
“It’s not about being loved, it’s to love back who loves me. That’s my happiness.”
Related article: Diamond Platnumz Biography; Age, Family, Education, Music Career, Networth
“Work hard, and stay humble.”
“I don’t want to be the next Bruce Lee, I don’t want to be the Next Jackie Chan, I want to be the first Diamond.”
“If your dreams don’t scare you, then they aren’t big enough…”
“I always believe that everything is possible. Just to inspire my fellow African youths that IF WE BELIEVE, WE CAN!!!”
Also check out this list: All women Diamond Platnumz has dated
August 23, 2021
Worried about the size of your Manhood?
Highlights
- How long does a normal penis measure?
- What does science say about the size of a normal penis?
- Worried that your penis is too small?
- What should you do if your penis is too small?
If you’ve ever worried that your penis was too little, you’re not alone; many men worry about the length or girth of their member. It’s even been given a name: ‘small penis anxiety.’
It can become serious when a man is so dissatisfied and self-conscious about the size or form of his penis that it has a significant influence on his sex life. He could be diagnosed with Body Dysmorphic Disorder if this happens.
But the truth is that the great majority of men have completely normal penises. They simply require some reassurance.
That’s why a group of experts in the United Kingdom decided it was past time to compile proof for all of the men who visit their doctors with concerns about their penis being too tiny. The researchers gathered data from over 15,500 males of all ages and races, including penile length and girth measurements. All of the measurements they used were taken by a medical professional, so there was no way the males could be lying about their penis size.
Which penis size is normal?
After compiling all of the data, the researchers calculated averages and drew graphs depicting the vast variety of normal penis diameters. The length of erect penises varies from 9.5cm to 16cm. Only a few percent of males have penises that are smaller or larger than that.
The average length of a flaccid penis is 9.16 cm. The average lengthens to 13.24 cm when stretched. That’s quite close to the 13.12 cm average erect length.
The average girth measurements for flaccid penises were 9.31 cm and 11.66 cm for erect penises.
The researchers also looked into whether the size of a man’s penis was related to his other physical characteristics. Contrary to popular opinion, there was little evidence that men with larger feet or heavier bodies have bigger penises. However, there was a correlation between height and penis length, with taller men having longer erect penises, according to the study.
According to the study, only about 2% of men have a penis that is abnormally small, measuring less than 6 cm when flaccid and less than 9.5 cm when extended. A micropenis, on the other hand, is defined as having a flaccid length of less than 5.2 cm and a stretched length of less than 8.5 cm. A micropenis is extremely uncommon — just about 1% of men have one.
July 30, 2021
Akothee’s Shocking Advice to People in Relationships
Akothee, having had her first child at the age of 14 years old, she can be the best or worst person to ask for relationship advice. However, her subsequent failed relationships make her totally unfit to provide such kind of advice.
Keep in mind that Akothee has spend most of her motherhood as a single mother. Also, she has been with three baby daddies whose relationships only ended in one more child after another and no marriage. Judging from this, asking her for relationship advice is like asking a beggar how to become a multimillionaire!
Akothee holding Rue Baby with first husband
I might sound pessimistic but Akothee has more good than bad and an area of expertise to seek her advice can be in business and entertainment. She is a guru in those niches.
Akothee after fame and money
Recently, a fan asked her
”Hallo Akothee. My name is Caroline. I am stressed. And I just want some relationship advise from you. Can I get just a chance to speak with you…”
Akothee’s response
”Uuuuwiiiio caro ,haki sina any , hapo kwa relationship advice ,please ask married stable women ,From the bottom of my heart🙏🏻 , anything I will advice you can be used against me & punishable by law 🙏🏻 Sasa Mimi na ma baby daddy watatu 🤔 unaona couple goals kweli caro ? hii relationship boat haina nahodha , , Caro chunga nyumba yako ,mabaharia ni wengi ,wasikuibie mashua 💃💃HONEST OPINION.
She added
I AM THE BIGGEST LOOSER IN RELATIONSHIPS MAYBE ASK ME ON HOW TO RUN AWAY FROM POVERTY 💃💃🤸🤸 Advices Zangu Zitafanya Ufinyweeee Bure Karo 💃💃💃”
July 9, 2021
How To Make Money On Pasing Grades || Legit And Free
Pasing Grades is a new platform for students to earn by sharing their study materials. However, its not entirely limited to students as tutors are also allowed to share study materials that they have created.
The idea behind the platform is easing the learning process by providing ready-made notes, exam reviews and summaries etc.
At Pasing Grades, you are required to register, if you are not aware of how to go about the registration process, you can check out the registration guide below.
Registration
How to register on Pasing Grades Website
Register Now
Click Here
Once you have registered, you are then supposed to upload your study materials, the process is simple but if you are not conversant with the process, you can check out the uploading guide below.
Upload Documents
How to Upload documents
During the uploading process, you are supposed to set the price at which you will be selling your documents. We do the marketing and once you have uploaded your documents you just have to wait for a student who is in need of the study material to buy.
When your document is purchased, Pasing Grades takes a commission of 20% while you scoop the entire remaining 80%.
It’s that simple.
July 3, 2021
Hold Your Judgment; Read this to Understand Why Omosh is Struggling with Alcoholism
Joseph Kinuthia alias Omosh is not a new name to both Citizen TV viewers and social media users. Omosh broke the internet in February this year when he pleaded with the public to come to his aid as in sustaining himself and his family.
The Tahidi actor’s name came to the public for the second time this year a few days ago after a video of him pleading help once more went viral on social media. However, this time many people have not been so enthusiastic to help.
Instead, netizens and various celebrities including Jalas have judged Omosh harshly claiming this time the actor should step in the streets and hustle like millions of Kenyans struggling to make ends meet.
But Omosh recently revealed that his struggle with alcoholism is the major cause of his financial mismanagement. Kinuthia told the Mount Kenya Star that having grown up in a family that almost all members consumed alcohol substance, his problem with alcoholism is rooted way past his life as a celebrity.
“While still a teenager in Nyeri County, I was already experimenting with alcohol due to peer pressure and the fact that I grew up in a society where many people including my relatives consumed various substances including alcohol. This made me want to try those.” Omosh revealed.
Although Joseph Kinuthia mentioned that he has sought assistance by visiting a rehab for three months in the past, we hope he will find all the help he needs to get back to his life.
June 29, 2021