Last Updated: December 31, 2026

Complete Official Directory: All 188 CBK-Licensed Digital Credit Providers in Kenya

Verify before you borrow. This is the most comprehensive list of licensed lenders in Kenya.

Commercial Banks

Microfinance Banks

188

Digital Credit Providers

All CBK Regulated

CBK has licensed 195 Digital Credit Providers as of December 2026. We have verified and listed 188 below (7 pending website data).

Why This Directory Matters

Protect Yourself from Scams

Kenya has seen a rise in unlicensed lenders operating illegally, charging excessive interest rates, and using harassment tactics.

Predatory interest rates (often 20-30% per month)
Hidden fees and charges
Privacy violations and data misuse
Harassment of you and your contacts

How CBK Regulates Lenders

Fair lending practices and transparent terms
Maximum interest rate compliance
Consumer protection and complaints handling
Data privacy and security standards

Commercial Banks (CBK Licensed)

Kenya Commercial Bank (KCB)

CBK Licensed

Established: 1896

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Equity Bank

CBK Licensed

Established: 1984

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Co-operative Bank of Kenya

CBK Licensed

Established: 1965

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ABSA Bank Kenya

CBK Licensed

Established: 1916

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NCBA Bank Kenya

CBK Licensed

Established: 2019

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Stanbic Bank Kenya

CBK Licensed

Established: 1906

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Standard Chartered Bank Kenya

CBK Licensed

Established: 1911

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Family Bank

CBK Licensed

Established: 1984

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Microfinance Banks (CBK Licensed)

Kenya Women Microfinance Bank

CBK Licensed

Established: 2009

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Faulu Microfinance Bank

CBK Licensed

Established: 2009

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SMEP Microfinance Bank

CBK Licensed

Established: 2010

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All 188 CBK-Licensed Digital Credit Providers (Alphabetical)

✓ Complete Official List: Source: Central Bank of Kenya Official Directory, December 24, 2026

Abito Limited

CBK Licensed

Absolute Credit Kenya Ltd

CBK Licensed

Acquire Credit Limited

CBK Licensed

Adjacent Possible Finance Limited

CBK Licensed

Adroit Credit Limited

CBK Licensed

Ajax Credit Kenya Limited

CBK Licensed

Aleza Limited

CBK Licensed

Ambush Capital Limited trading under FlashPesa

CBK Licensed

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Anjoy Credit Limited

CBK Licensed

ASA International Kenya Limited

CBK Licensed

Asante FS East Africa Limited

CBK Licensed

Asap Credit Limited

CBK Licensed

Aspire Lending Ltd

CBK Licensed

Autochek Limited

CBK Licensed

Auxiliary Credit Ltd

CBK Licensed

Avenews Ke Ltd

CBK Licensed

Aventus Technology Limited

CBK Licensed

AVL Capital Ltd

CBK Licensed

Azura Credit Limited

CBK Licensed

BCF Kenya Limited

CBK Licensed

Bidii Credit Limited

CBK Licensed

Bimas Kenya Limited

CBK Licensed

Bingwa Micro Capital Limited

CBK Licensed

Blesmark Credit Limited

CBK Licensed

Boostline Capital Limited

CBK Licensed

Bossrich Credit Limited

CBK Licensed

BRAC Kenya Company Limited

CBK Licensed

Brisk Credit Limited

CBK Licensed

Bytech Credit Limited

CBK Licensed

Cashmart Capital Limited

CBK Licensed

Ceres Tech Limited

CBK Licensed

Chapeo Capital Limited

CBK Licensed

Chelete Credit Limited

CBK Licensed

Chime Capital Limited

CBK Licensed

Colkos Enterprises Limited

CBK Licensed

Creditarea Capital Limited

CBK Licensed

Decimal Capital Limited

CBK Licensed

Dexintec Kenya Limited

CBK Licensed

Dime Credit Limited

CBK Licensed

Dotcash Credit Limited

CBK Licensed

East Africa Futures Company Limited

CBK Licensed

Easy Asset Management Limited

CBK Licensed

Easyways Credit Limited

CBK Licensed

ED Partners Africa Limited

CBK Licensed

Edenbridge Capital Ltd.

CBK Licensed

EDOMX Limited

CBK Licensed

Elevate Credit Limited

CBK Licensed

Ellegant Credit Limited

CBK Licensed

Extend Money Services Limited

CBK Licensed

Fabilo Credit Ltd

CBK Licensed

Factorhouse Limited

CBK Licensed

Fahari Point Capital Limited

CBK Licensed

Fantom Capital Limited

CBK Licensed

Fezotech Kenya Limited

CBK Licensed

Finberry Capital Ltd

CBK Licensed

Finboom Credit Kenya Limited

CBK Licensed

Fincorp Credit Limited

CBK Licensed

Fincredit Limited

CBK Licensed

Finseil Limited

CBK Licensed

Fortune Credit Limited

CBK Licensed

Fourth Generation Capital Limited

CBK Licensed

Frictionless Enterprises Limited

CBK Licensed

Futureinno Digital Tech Limited

CBK Licensed

Geoland Credit Limited

CBK Licensed

Getcash Capital Limited

CBK Licensed

Giando Africa Limited (Trading as Flash Credit Africa)

CBK Licensed

Girls First Kenya Limited

CBK Licensed

Granary Capital Limited

CBK Licensed

Guava Capital Limited

CBK Licensed

Hanis Capital Limited

CBK Licensed

Hela Capital Limited

CBK Licensed

Helium Credit Limited

CBK Licensed

Inspire Credit Limited

CBK Licensed

Inventure Mobile Limited (Trading as Tala)

CBK Licensed

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Ismuk Credit Limited

CBK Licensed

Jackfruit Associates Limited

CBK Licensed

Jafari Credit Limited

CBK Licensed

Jambofin Credit Limited

CBK Licensed

Jijenge Credit Limited

CBK Licensed

Juhudi Kilimo Company Limited

CBK Licensed

Jumo Kenya Limited

CBK Licensed

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Keep Vision and Growth Credit Limited

CBK Licensed

Kifedha Ltd

CBK Licensed

Kikwetu Credit Ltd

CBK Licensed

Kweli Smart Solutions Limited

CBK Licensed

Lasiri Capital Limited

CBK Licensed

Leaf Credit Limited

CBK Licensed

Leja Ltd

CBK Licensed

Lenana Innovative Solutions Limited

CBK Licensed

Letshego Kenya Ltd

CBK Licensed

Liberty Afrika Technologies Ltd

CBK Licensed

Lipa Later Limited

CBK Licensed

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Little Limited trading as SpotIt

CBK Licensed

Little Pesa Limited

CBK Licensed

Loan Plus Digital Credit Provider Limited

CBK Licensed

Lobelitec Credit Limited

CBK Licensed

LockBx Limited

CBK Licensed

Longitude Capital Limited

CBK Licensed

Lucason Capital Limited

CBK Licensed

Maison Capital Limited

CBK Licensed

Malicash Investment Limited

CBK Licensed

Maralal Ledger Limited

CBK Licensed

Marble Capital Solutions Limited

CBK Licensed

Maxxton Enterprises Ltd

CBK Licensed

Mednow Capital Limited

CBK Licensed

MFS Technologies Limited

CBK Licensed

Milhan Access Capital Limited

CBK Licensed

Mimi Credit Limited

CBK Licensed

Mint Credit Limited

CBK Licensed

MKash Solutions Limited

CBK Licensed

MKM Capital Limited

CBK Licensed

Mkulimapay Credit Ltd

CBK Licensed

Modesty Credit Ltd

CBK Licensed

Mogo Auto Limited

CBK Licensed

Momentum Credit Limited

CBK Licensed

Moneza Ltd

CBK Licensed

Moto Hope Capital Limited

CBK Licensed

Mular Credit Limited

CBK Licensed

Musoni Capital Limited

CBK Licensed

Mwananchi Credit Ltd

CBK Licensed

Mwanzo Credit Limited

CBK Licensed

Mycredit Limited

CBK Licensed

MyWagepay Limited

CBK Licensed

Natal Tech Limited

CBK Licensed

Nawiri African Sprouts Ltd trading as Fast Credit

CBK Licensed

Newark Frontiers Limited

CBK Licensed

Ngao Credit Limited

CBK Licensed

Numida Technologies Kenya Limited

CBK Licensed

ODI Credit Limited

CBK Licensed

Okolea International Limited

CBK Licensed

Onwards Swift Company Limited

CBK Licensed

Opal Quick Limited

CBK Licensed

Otas Credit Limited

CBK Licensed

Pato Capital Limited

CBK Licensed

Payablu Credit Limited

CBK Licensed

Pembeni Cash Ltd

CBK Licensed

Pesaglow Capital Limited

CBK Licensed

Pesakuu Credit Limited

CBK Licensed

Peshee Capital Limited

CBK Licensed

Pezesha Africa Limited

CBK Licensed

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Phoenix Capital Limited

CBK Licensed

Pi Capital Limited

CBK Licensed

Platinum Credit Limited

CBK Licensed

Premier Credit Limited

CBK Licensed

Progressive Credit Limited

CBK Licensed

Puphik Credit Limited

CBK Licensed

Radi Credit Limited

CBK Licensed

Real People Kenya Limited

CBK Licensed

Reazilla DCP Limited

CBK Licensed

Rewot Ciro Limited

CBK Licensed

Risine Credit Limited

CBK Licensed

Rosatap Credit Limited

CBK Licensed

Seanala Credit Limited

CBK Licensed

Select Management Services Limited

CBK Licensed

Senti Capital Limited

CBK Licensed

Sevi Innovation Limited

CBK Licensed

Simbageld Ltd

CBK Licensed

Simplepay Capital Limited

CBK Licensed

Sipranda Capital Ltd

CBK Licensed

Siti Mobility Technologies Limited

CBK Licensed

Sokohela Limited

CBK Licensed

Spectrum Credit Ltd

CBK Licensed

Spread Capital Ltd

CBK Licensed

Steadfast Credit Ltd

CBK Licensed

Stride Credit Limited

CBK Licensed

Suffice Ltd

CBK Licensed

Sure Cred Capital Limited

CBK Licensed

Tazu Credit Limited

CBK Licensed

Tenakata Enterprises Limited

CBK Licensed

Tentacorp Holdings Limited

CBK Licensed

Tinycost Credit Kenya Limited

CBK Licensed

Transsnet Credit Limited

CBK Licensed

Treasure Store Limited

CBK Licensed

TrustGro SCA Limited

CBK Licensed

UbaPesa Limited

CBK Licensed

Umoja Fanisi Limited

CBK Licensed

Unidirect Ltd

CBK Licensed

Unifi Credit Limited

CBK Licensed

Vision Edge Credit Partners Limited

CBK Licensed

Wabema Credit Ltd

CBK Licensed

Wakanda Credit Limited

CBK Licensed

Watu Credit Ltd

CBK Licensed

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Westlip Credit Limited

CBK Licensed

Zaidi Pato Limited

CBK Licensed

Zanifu Limited

CBK Licensed

Zenka Digital Limited

CBK Licensed

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Ziki Credit Limited

CBK Licensed

Zillions Credit Limited

CBK Licensed

Always Verify Before Borrowing

Before taking any loan, check the official CBK website or this directory to confirm the lender is currently licensed. Report unlicensed lenders to CBK.

Visit Official CBK Website →Report Unlicensed Lender

Source: Central Bank of Kenya (CBK) Official Directory

Last updated: December 31, 2026 | Total CBK-Licensed DCPs: 188 of 195

Missing 7 DCPs pending official website data. Email dcps@centralbank.go.ke to report unlicensed lenders.