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Official CBK Data

CBK Licensed Lenders in Kenya 2026

Complete List of Central Bank of Kenya Regulated Financial Institutions

227 licensed Digital Credit Providers · Register last updated 2025-12-24

Before taking any loan, verify your lender is licensed by the Central Bank of Kenya (CBK). Licensed lenders follow strict regulations to protect borrowers.

Why Licensing Matters

  • Consumer protection under Kenyan law
  • Regulated interest rates and fees
  • Proper data handling and privacy
  • Legal recourse if disputes arise
  • No harassment or illegal collection practices

Categories of Licensed Lenders

Commercial Banks

39

Regulator: Central Bank of Kenya

Examples: KCB Bank, Equity Bank, Cooperative Bank, ABSA Bank, Standard Chartered

Microfinance Banks

14

Regulator: Central Bank of Kenya

Examples: Kenya Women Finance Trust, Faulu Microfinance, SMEP Microfinance

Digital Credit Providers

195

Regulator: Central Bank of Kenya (since 2022)

Examples: M-Shwari (NCBA), KCB M-Pesa, Fuliza (NCBA), Tala, Branch

SACCOs

175+

Regulator: SASRA (SACCO Societies Regulatory Authority)

Examples: Stima SACCO, Mwalimu SACCO, Kenya Police SACCO

Recently Licensed (2025-12-24)

The Central Bank of Kenya added 42 Digital Credit Providers in its 2025-12-24 update — the latest licensing batch in our register:

  • +Acquire Credit Limited
  • +Adjacent Possible Finance Limited
  • +Aleza Limited
  • +ASA International Kenya Limited
  • +Auxiliary Credit Ltd
  • +BCF Kenya Limited
  • +Bidii Credit Limited
  • +Bingwa Micro Capital Limited
  • +Blesmark Credit Limited
  • +Boostline Capital Limited
  • +Cashmart Capital Limited
  • +Dotcash Credit Limited
  • +Edenbridge Capital Ltd.
  • +Fincredit Limited
  • +Geoland Credit Limited
  • +Guava Capital Limited
  • +Jackfruit Associates Limited
  • +Jafari Credit Limited
  • +Jambofin Credit Limited
  • +Juhudi Kilimo Company Limited
  • +Keep Vision and Growth Credit Limited
  • +Liberty Afrika Technologies Ltd
  • +Lucason Capital Limited
  • +Maison Capital Limited
  • +Malicash Investment Limited
  • +Mimi Credit Limited
  • +MKash Solutions Limited
  • +Onwards Swift Company Limited
  • +Pato Capital Limited
  • +Peshee Capital Limited
  • +Real People Kenya Limited
  • +Rosatap Credit Limited
  • +Seanala Credit Limited
  • +Select Management Services Limited
  • +Snowflex Capital Limtied
  • +Tazu Credit Limited
  • +Transsnet Credit Limited
  • +TrustGro SCA Limited
  • +Vision Edge Credit Partners Limited
  • +Wakanda Credit Limited
  • +Westlip Credit Limited
  • +Ziki Credit Limited

Full A–Z Register of Licensed Digital Credit Providers

Source: Central Bank of Kenya, Directory of Digital Credit Providers (24 December 2025 edition). On 14 April 2026 the CBK licensed 32 additional DCPs, bringing the national total to 227; the table below updates when the CBK republishes its directory.

#Entity NameDate Licensed
1Abepot Credit Limited—
2Abito Limited2025-09-02
3Absolute Credit Kenya Ltd2025-06-05
4Acquire Credit Limited2025-12-24
5Adjacent Possible Finance Limited2025-12-24
6Adroit Credit Limited2025-06-05
7African Capital Limited—
8Afrimoney Credit Limited—
9Ajax Credit Kenya Limited2025-09-02
10Aleza Limited2025-12-24
11Amaze Credit Limited—
12Ambush Capital Limited trading under FlashPesa2024-10-01
13Anjoy Credit Limited2023-03-27
14ASA International Kenya Limited2025-12-24
15Asante FS East Africa Limited2023-03-27
16Asap Credit Limited2025-06-05
17Aspire Lending Ltd2025-09-02
18Autochek Limited2024-03-06
19Auxiliary Credit Ltd2025-12-24
20Avenews Ke Ltd2025-06-05
21Aventus Technology Limited2025-06-05
22AVL Capital Ltd2025-06-05
23Azura Credit Limited2024-03-06
24Baecot Credit Ltd—
25BCF Kenya Limited2025-12-24
26Beavers Credit Limited—
27Becalob Credit Limited—
28Betasoft Credit Limited—
29Bidii Credit Limited2025-12-24
30Bimas Kenya Limited2025-06-05
31Bingwa Micro Capital Limited2025-12-24
32Blesmark Credit Limited2025-12-24
33Bluewave Cash Limited—
34Boostline Capital Limited2025-12-24
35Bossrich Credit Limited2025-09-02
36BRAC Kenya Company Limited2025-06-05
37Brisk Credit Limited2025-09-02
38Bytech Credit Limited2024-10-01
39Cashmart Capital Limited2025-12-24
40Ceres Tech Limited2022-09-19
41Chapeo Capital Limited2024-03-06
42Chelete Credit Limited2024-10-01
43Chime Capital Limited2024-03-06
44Colkos Enterprises Limited2023-03-27
45Creditarea Capital Limited2024-03-06
46Dahawi Credit Limited—
47Decimal Capital Limited2024-03-06
48Dexintec Kenya Limited2024-03-06
49Dime Credit Limited2024-10-01
50Dotcash Credit Limited2025-12-24
51East Africa Futures Company Limited2025-06-05
52Easy Asset Management Limited2025-09-02
53Easyways Credit Limited2025-09-02
54ED Partners Africa Limited2024-06-27
55Edenbridge Capital Ltd.2025-12-24
56EDOMX Limited2023-03-27
57Elevate Credit Limited2025-09-02
58Ellegant Credit Limited2024-10-01
59Extend Money Services Limited2023-03-27
60Fabilo Credit Ltd2025-06-05
61Factorhouse Limited2024-03-06
62Fahari Point Capital Limited2024-10-01
63Fantom Capital Limited2025-06-05
64Fezotech Kenya Limited2024-03-06
65Finberry Capital Ltd2025-06-05
66Finboom Credit Kenya Limited2025-06-05
67Fincorp Credit Limited2024-10-01
68Fincredit Limited2025-12-24
69Finseil Limited2025-09-02
70Fluid Capital Limited—
71Fortune Credit Limited2024-03-06
72Fourth Generation Capital Limited2023-03-27
73Frictionless Enterprises Limited2025-06-05
74Futureinno Digital Tech Limited2025-09-02
75Geoland Credit Limited2025-12-24
76Getcash Capital Limited2022-09-19
77Giando Africa Limited (Trading as Flash Credit Africa)2022-09-19
78Girls First Kenya Limited2025-06-05
79Granary Capital Limited2025-06-05
80Guava Capital Limited2025-12-24
81Hakki Africa Limited—
82Hanis Capital Limited2025-09-02
83Hela Capital Limited2024-10-01
84Helium Credit Limited2025-06-05
85Iboda Credit Limited—
86Inkomoko Capital Kenya Limited—
87Insight Credit Limited—
88Inspire Credit Limited2024-10-01
89Inventure Mobile Limited (Trading as Tala)2023-01-30
90Ismuk Credit Limited2024-06-27
91Izwe Loans Kenya Ltd—
92Jackfruit Associates Limited2025-12-24
93Jafari Credit Limited2025-12-24
94Jambofin Credit Limited2025-12-24
95Jawabu Biashara Limited—
96Jefigs Credit Limited—
97Jijenge Credit Limited2022-09-19
98Juhudi Kilimo Company Limited2025-12-24
99Jumo Kenya Limited2023-01-30
100Karibu Credit Limited—
101Kechita Capital Investment Limited—
102Keep Vision and Growth Credit Limited2025-12-24
103Kifedha Ltd2025-06-05
104Kikwetu Credit Ltd2025-06-05
105Kopo Kopo Inc. Kenya Limited—
106Kweli Smart Solutions Limited2022-09-19
107Lasiri Capital Limited2025-09-02
108Leaf Credit Limited2025-09-02
109Leja Ltd2025-06-05
110Lenana Innovative Solutions Limited2024-10-01
111Lendara Credit Limited—
112Lendbucks Ltd—
113Letshego Kenya Ltd2023-01-30
114Liberty Afrika Technologies Ltd2025-12-24
115Lipa Later Limited2024-03-06
116Little Limited trading as SpotIt2025-09-02
117Little Pesa Limited2023-03-27
118Loan Plus Digital Credit Provider Limited2025-06-05
119Lobelitec Credit Limited2024-03-06
120LockBx Limited2024-10-01
121Longitude Capital Limited2025-06-05
122Lucason Capital Limited2025-12-24
123M-Kopa Loan Kenya Limited2023-01-30
124Maison Capital Limited2025-12-24
125Malicash Investment Limited2025-12-24
126Maralal Ledger Limited2024-03-06
127Marble Capital Solutions Limited2024-03-06
128Maxxton Enterprises Ltd2025-06-05
129Mayflower Capital limited2025-09-02
130MCF 2 Kenya Limited2024-10-01
131Mednow Capital Limited2025-09-02
132MFS Technologies Limited2023-01-30
133Milhan Access Capital Limited2025-06-05
134Mimi Credit Limited2025-12-24
135Mint Credit Limited2024-06-27
136MKash Solutions Limited2025-12-24
137MKM Capital Limited2024-03-06
138Mkulimapay Credit Ltd2025-06-05
139Modesty Credit Ltd2025-06-05
140Mogo Auto Limited2024-06-27
141Momentum Credit Limited2024-10-01
142Moneza Ltd2025-06-05
143Moto Hope Capital Limited2025-09-02
144Mular Credit Limited2025-09-02
145Musoni Capital Limited2025-09-02
146Mwananchi Credit Ltd2025-09-02
147Mwanzo Credit Limited2022-09-19
148Mycredit Limited2023-01-30
149MyWagepay Limited2022-09-19
150Natal Tech Limited2023-01-30
151Nawiri African Sprouts Ltd trading as Fast Credit2025-06-05
152Newark Frontiers Limited2025-06-05
153Ngao Credit Limited2023-01-30
154NJB Limited—
155Novatok Credit Limited—
156Numida Technologies Kenya Limited2025-06-05
157ODI Credit Limited2024-10-01
158Okolea International Limited2023-03-27
159Onwards Swift Company Limited2025-12-24
160Opal Quick Limited2024-10-01
161Otas Credit Limited2025-09-02
162Pato Capital Limited2025-12-24
163Payablu Credit Limited2024-06-27
164Pembeni Cash Ltd2025-09-02
165Pesaglow Capital Limited2024-10-01
166Pesakuu Credit Limited2024-10-01
167Peshee Capital Limited2025-12-24
168Pezesha Africa Limited2023-01-30
169Phoenix Capital Limited2024-10-01
170Pi Capital Limited2024-03-06
171Platinum Credit Limited2025-09-02
172Premier Credit Limited2024-10-01
173Primebridge Capital Limited—
174Progressive Credit Limited2024-06-27
175Puphik Credit Limited2024-10-01
176Quickflex Ventures Ltd—
177Radi Credit Limited2024-10-01
178Real People Kenya Limited2025-12-24
179Reazilla DCP Limited2025-09-02
180Rewot Ciro Limited2022-09-19
181Risine Credit Limited2023-03-27
182Rosatap Credit Limited2025-12-24
183Rosky Credit Limited—
184Seanala Credit Limited2025-12-24
185Select Management Services Limited2025-12-24
186Senti Capital Limited2024-03-06
187Sevi Innovation Limited2022-09-19
188Simbageld Ltd2025-06-05
189Simplepay Capital Limited2024-10-01
190Sipranda Capital Ltd2025-06-05
191Siti Mobility Technologies Limited2024-10-01
192Snowflex Capital Limtied2025-12-24
193Sokohela Limited2022-09-19
194Spectrum Credit Ltd2025-06-05
195Spread Capital Ltd2025-06-05
196Steadfast Credit Ltd2025-06-05
197Stride Credit Limited2024-06-27
198Suffice Ltd2025-09-02
199Sumpay Limited—
200Sure Cred Capital Limited2024-10-01
201Tanir Credit & Accounting Services Limited2024-10-01
202Tazu Credit Limited2025-12-24
203Tenakata Enterprises Limited2023-01-30
204Tentacorp Holdings Limited2025-06-05
205Tinycost Credit Kenya Limited2025-06-05
206Tip-Point Capital Limited2024-10-01
207Transsnet Credit Limited2025-12-24
208Treasure Store Limited2024-10-01
209TrustGro SCA Limited2025-12-24
210Tundar Capital Limited—
211UbaPesa Limited2024-03-06
212Umoja Fanisi Limited2023-01-30
213Unidirect Ltd2025-09-02
214Unifi Credit Limited2025-06-05
215Vision Edge Credit Partners Limited2025-12-24
216Wabema Credit Ltd2025-06-05
217Wakanda Credit Limited2025-12-24
218Watu Credit Ltd2025-06-05
219Westlip Credit Limited2025-12-24
220Wiresphere Limited—
221Yehu Impact Limited—
222Zaidi Pato Limited2025-09-02
223Zamaradi Capital & Credit Group Limited2025-06-05
224Zanifu Limited2023-01-30
225Zenka Digital Limited2023-03-27
226Ziki Credit Limited2025-12-24
227Zillions Credit Limited2024-03-06

How to Verify a Lender

  1. 1Visit the CBK website at centralbank.go.ke
  2. 2Navigate to "Regulated Entities" section
  3. 3Search for the lender by name
  4. 4Check their license status and category
  5. 5For digital lenders, check the DCP register
Visit CBK Website

Warning Signs of Unlicensed Lenders

  • No CBK license number displayed
  • Interest rates above legal limits
  • Aggressive marketing via SMS/WhatsApp
  • Requests for upfront fees before loan disbursement
  • Threats or public shaming for late payments

Frequently Asked Questions

How do I verify if a lender is CBK licensed?

Visit centralbank.go.ke and check the list of regulated entities. All licensed banks, microfinance banks, and digital credit providers are listed there.

What is the maximum interest rate allowed in Kenya?

The Central Bank Rate plus 4% for banks. Digital lenders must disclose the Annual Percentage Rate (APR) clearly before loan disbursement.

What should I do if I borrowed from an unlicensed lender?

Report them to the CBK and the Competition Authority of Kenya. You may also file a complaint with the police if they engage in harassment.

Are mobile loan apps regulated in Kenya?

Yes, since September 2022, all Digital Credit Providers must be licensed by CBK. Check their DCP license before borrowing.

What changed in Kenyan digital lending regulation in 2025?

The Business Laws (Amendment) Act, 2024 — in force from January 2025 — widened CBK's mandate from "Digital Credit Providers" to all non-deposit-taking credit providers, including non-digital lenders such as buy-now-pay-later firms and credit-only microlenders. Previously unregulated lenders must now apply for a CBK licence, which is why the register kept growing through 2025.

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