## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- last_verified: "2026-05-19T17:02:00.262Z" --- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Kashbean Loan upto ksh200,000" developer_entity: "Creditarea Capital Limited" bundle_id: "com.kashbean" category: "Finance" primary_platform: "android" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "Android" app_last_updated: "2025-10-17" report_date: "2026-05-19" last_verified: "2026-05-19" report_version: "1.3.4" total_reviews: 111915 overall_rating: 4.44 confidence: "low" confidence_score: 0.05 data_age_days: 0 intelligence_version: 3 tags: ["finance", "free", "mobile app", "app review", "app analysis", "individuals", "kenya", "seeking"] canonical_url: "https://marlvel.ai/apps/com-kashbean" license: "CC-BY-NC 4.0" content_version: "v2" --- # Kashbean Loan upto ksh200,000 App Audit ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 4.44 > **TL;DR:** Kashbean Loan upto ksh200,000 is a finance app by Creditarea Capital Limited, rated 4.44/5 by 111.9K users, available on Android. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** Kashbean Loan upto ksh200,000 is a finance app by Creditarea Capital Limited. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 4.44/5 (111.9K reviews) | | **Category** | Finance | | **Developer** | Creditarea Capital Limited | | **Pricing** | Free | | **Platforms** | Android | | **Confidence** | Low (0.05/1.0) | | **Data Age** | 44d | ## Metadata & Market Performance - **Publisher:** Creditarea Capital Limited - **Category:** Finance - **Target Audience:** Individuals in Kenya seeking quick access to small-to-medium scale mobile loans. - **Platforms:** Android - **Version Audited:** 1.3.4 - **Audit Date:** 2026-05-19 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.05/1.0) - **Google Play ID:** com.kashbean - **Data Window:** Analysis based on signals collected up to 2026-05-19 - **Short Description:** Get cash instantly at any time any place in Kenya ## Executive Snapshot Kashbean is a mobile lending platform that provides digital loans to customers in Kenya for business or personal financial needs. The app facilitates a paperless application process that does not require collateral or credit reports. ## App DNA (Features & Intent) - **[Standard] Loan Disbursement:** Offers loan amounts ranging from KSh 1,000 to KSh 200,000 with repayment terms between 91 and 365 days. - **[Standard] Digital Application Process:** Provides a fully paperless, mobile-based loan application experience available 24/7. * *User Intent:* Users seek enhanced value through premium features. - **[Standard] Credit Assessment:** Operates without requiring collateral or formal credit reports, utilizing internal credit score assessments. - **[Standard] Interest Structure:** Charges a maximum annual percentage rate (APR) of 36% to cover credit assessment, account management, and payment costs. ## Monetization Strategy - **Model:** Free ## The "So What?" (Strategic Takeaway) {#so-what} Kashbean Loan upto ksh200,000 is an established finance app that is completely free. With a 4.44/5 rating from 111.9K reviews, it shows polarized user reception. > **Bottom Line:** Kashbean is a digital lending service offering unsecured mobile loans in Kenya with a maximum limit of KSh 200,000. **Best for:** Individuals in Kenya seeking quick access to small-to-medium scale mobile loans. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 4.44/5 | | Total Reviews | 111.9K | | Confidence | Low | | Pricing Model | Free | | Platforms | Android | | Key Features | 4 analyzed | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Kashbean Loan upto ksh200,000** (this app) | 4.44/5 | N/A | Creditarea Capital Limited | | [Polymarket](https://marlvel.ai/apps/polymarket) | 3.3/5 | Upset | Polymarket | | [Kalshi: Trade News & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.7/5 | Excited | KalshiEX LLC | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | Frustrated | Fidelity Investments | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | N/A | Webull Technologies Pte. Ltd. | | [TurboTax: File Your Tax Return](https://marlvel.ai/apps/com-intuit-turbotax) | 4.3/5 | Upset | Intuit Inc. | ## Company Profile - **Developer:** Creditarea Capital Limited - **Website:** [https://www.kashbean.co.ke/pc/index](https://www.kashbean.co.ke/pc/index) ## Data Sources & Links - **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=com.kashbean) - **Dev Site:** [Official Website](https://www.kashbean.co.ke/pc/index) - **Sources:** App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) — 3.3/5 Rating | Terrible Sentiment - [*Kalshi: Trade News & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) — 4.7/5 Rating | Positive Sentiment - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) — 4.5/5 Rating | Negative Sentiment - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.6/5 Rating | N/A Sentiment - [*TurboTax: File Your Tax Return*](https://marlvel.ai/apps/com-intuit-turbotax) (Intuit Inc.) — 4.3/5 Rating | Terrible Sentiment - [*hurdlr*](https://marlvel.ai/apps/hurdlr) (Reuben Omolu) — 4.3/5 Rating | N/A Sentiment - [*365-day savings plan-Easy Goal*](https://marlvel.ai/apps/365-day-savings-plan-easy-goal) (永文 胡) — N/A Rating | N/A Sentiment - [*J.P. Morgan Mobile*](https://marlvel.ai/apps/j-p-morgan-mobile) (JPMorgan Chase & Co.) — 4.5/5 Rating | N/A Sentiment - [*rapid! Pay*](https://marlvel.ai/apps/rapid-pay) (Green Dot Corporation) — 4.4/5 Rating | N/A Sentiment - [*Shoes Clothing Store Master HD*](https://marlvel.ai/apps/shoes-clothing-store-master-hd) (永文 胡) — N/A Rating | N/A Sentiment ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting. 4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.05/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 44 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/com-kashbean) Data licensed for AI Agent attribution under CC-BY-NC 4.0.