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Official CBK Data

CBK Licensed Lenders in Kenya 2026

Complete List of Central Bank of Kenya Regulated Financial Institutions

281 licensed Digital Credit Providers · Register last updated 2026-09-29

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 41 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
  • +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
10Alba Capital Limited—
11Aleza Limited2025-12-24
12Amaze Credit Limited—
13Ambush Capital Limited trading under FlashPesa2024-10-01
14Anchorstone Capital Limited—
15Anjoy Credit Limited2023-03-27
16ASA International Kenya Limited2025-12-24
17Asante FS East Africa Limited2023-03-27
18Asap Credit Limited2025-06-05
19Aspire Lending Ltd2025-09-02
20Autochek Limited2024-03-06
21Auxiliary Credit Ltd2025-12-24
22Avenews Ke Ltd2025-06-05
23Aventus Technology Limited2025-06-05
24AVL Capital Ltd2025-06-05
25Azura Credit Limited2024-03-06
26Baecot Credit Ltd—
27Baraka Credit Limited—
28Bashy African Credit Limited—
29BCF Kenya Limited2025-12-24
30Beavers Credit Limited—
31Becalob Credit Limited—
32Betasoft Credit Limited—
33Bidii Credit Limited2025-12-24
34Bimas Kenya Limited2025-06-05
35Bingwa Micro Capital Limited2025-12-24
36Blesmark Credit Limited2025-12-24
37Bluewave Cash Limited—
38Boostline Capital Limited2025-12-24
39Bossrich Credit Limited2025-09-02
40Boya Capital Limited—
41BRAC Kenya Company Limited2025-06-05
42Brisk Credit Limited2025-09-02
43Bytech Credit Limited2024-10-01
44Cars and Cargo Capital Limited—
45Cashmart Capital Limited2025-12-24
46Centenary Micro Enterprise Services Ltd—
47Ceres Tech Limited2022-09-19
48Chapeo Capital Limited2024-03-06
49Chelete Credit Limited2024-10-01
50Chime Capital Limited2024-03-06
51CIM Credit Kenya Limited—
52Coffers Credit Limited—
53Colkos Enterprises Limited2023-03-27
54Creditarea Capital Limited2024-03-06
55Credix Digital Credit Provider Limited—
56Credora Digital Limited—
57Dahawi Credit Limited—
58Decimal Capital Limited2024-03-06
59Demulla Investments Limited—
60Dexintec Kenya Limited2024-03-06
61Dime Credit Limited2024-10-01
62Diversity Micro Credit Limited—
63Dotcash Credit Limited2025-12-24
64East Africa Futures Company Limited2025-06-05
65Easy Asset Management Limited2025-09-02
66Easyways Credit Limited2025-09-02
67ED Partners Africa Limited2024-06-27
68Edenbridge Capital Ltd.2025-12-24
69EDOMX Limited2023-03-27
70Elevate Credit Limited2025-09-02
71Ellegant Credit Limited2024-10-01
72Equal Reach Credit Limited—
73Eversure Credit Limited—
74Extend Money Services Limited2023-03-27
75Fabilo Credit Ltd2025-06-05
76Factorhouse Limited2024-03-06
77Fahari Point Capital Limited2024-10-01
78Fantom Capital Limited2025-06-05
79Fezotech Kenya Limited2024-03-06
80Finberry Capital Ltd2025-06-05
81Finboom Credit Kenya Limited2025-06-05
82Fincorp Credit Limited2024-10-01
83Fincredit Limited2025-12-24
84Finseil Limited2025-09-02
85Fluid Capital Limited—
86Fortune Credit Limited2024-03-06
87Fourth Generation Capital Limited2023-03-27
88Frictionless Enterprises Limited2025-06-05
89Futureinno Digital Tech Limited2025-09-02
90Geoland Credit Limited2025-12-24
91Getcash Capital Limited2022-09-19
92Giando Africa Limited (Trading as Flash Credit Africa)2022-09-19
93Girls First Kenya Limited2025-06-05
94Glad Agritech Kenya Limited—
95Goalbridge Capital Limited—
96Granary Capital Limited2025-06-05
97Guava Capital Limited2025-12-24
98Hakki Africa Limited—
99Hanis Capital Limited2025-09-02
100Hawkins Credit Limited, Nakuru—
101Hela Capital Limited2024-10-01
102Helium Credit Limited2025-06-05
103Horpazi Credit Limited—
104Iboda Credit Limited—
105Inkomoko Capital Kenya Limited—
106Insight Credit Limited—
107Inspire Credit Limited2024-10-01
108Inventure Mobile Limited (Trading as Tala)2023-01-30
109Investbox Holdings Ltd—
110Ismuk Credit Limited2024-06-27
111Izwe Loans Kenya Ltd—
112Jackfruit Associates Limited2025-12-24
113Jafari Credit Limited2025-12-24
114Jambofin Credit Limited2025-12-24
115Jawabu Biashara Limited—
116Jefigs Credit Limited—
117Jijenge Credit Limited2022-09-19
118Jiweze Credit Limited—
119Juhudi Kilimo Company Limited2025-12-24
120Jukiwa Credit Limited—
121Jumo Kenya Limited2023-01-30
122KalTris Limited—
123Karibu Credit Limited—
124Kechita Capital Investment Limited—
125Keep Vision and Growth Credit Limited2025-12-24
126Kifedha Ltd2025-06-05
127Kikwetu Credit Ltd2025-06-05
128KN Global Services Limited—
129Kopo Kopo Inc. Kenya Limited—
130Kweli Smart Solutions Limited2022-09-19
131Lasiri Capital Limited2025-09-02
132Leaf Credit Limited2025-09-02
133Leja Ltd2025-06-05
134Lenana Innovative Solutions Limited2024-10-01
135Lendara Credit Limited—
136Lendbucks Ltd—
137Letshego Kenya Ltd2023-01-30
138Liberty Afrika Technologies Ltd2025-12-24
139Lin-Cap Credit Limited—
140Lipa Later Limited2024-03-06
141Little Limited trading as SpotIt2025-09-02
142Little Pesa Limited2023-03-27
143Loan Plus Digital Credit Provider Limited2025-06-05
144Lobelitec Credit Limited2024-03-06
145LockBx Limited2024-10-01
146Longitude Capital Limited2025-06-05
147Lucason Capital Limited2025-12-24
148M-Kopa Loan Kenya Limited2023-01-30
149Maison Capital Limited2025-12-24
150Malicash Investment Limited2025-12-24
151Maralal Ledger Limited2024-03-06
152Marble Capital Solutions Limited2024-03-06
153Maxxton Enterprises Ltd2025-06-05
154Mayflower Capital limited2025-09-02
155MCF 2 Kenya Limited2024-10-01
156Mednow Capital Limited2025-09-02
157Meridian Kapital DCP Ltd—
158MFS Technologies Limited2023-01-30
159Milhan Access Capital Limited2025-06-05
160Mimi Credit Limited2025-12-24
161Mint Credit Limited2024-06-27
162MKash Solutions Limited2025-12-24
163MKM Capital Limited2024-03-06
164Mkulimapay Credit Ltd2025-06-05
165Modesty Credit Ltd2025-06-05
166Mogo Auto Limited2024-06-27
167Momentum Credit Limited2024-10-01
168Moneysta Capital Investment Ltd—
169Moneza Ltd2025-06-05
170Moto Hope Capital Limited2025-09-02
171Mular Credit Limited2025-09-02
172Musoni Capital Limited2025-09-02
173Mwananchi Credit Ltd2025-09-02
174Mwanzo Credit Limited2022-09-19
175Mycredit Limited2023-01-30
176MyWagepay Limited2022-09-19
177Natal Tech Limited2023-01-30
178Nawiri African Sprouts Ltd trading as Fast Credit2025-06-05
179Newark Frontiers Limited2025-06-05
180Ngao Credit Limited2023-01-30
181Nirvana Credit Limited—
182NJB Limited—
183Novatok Credit Limited—
184Numida Technologies Kenya Limited2025-06-05
185ODI Credit Limited2024-10-01
186Okolea International Limited2023-03-27
187Onward Digital Credit Lending Limited—
188Onwards Swift Company Limited2025-12-24
189Opal Quick Limited2024-10-01
190Otas Credit Limited2025-09-02
191Pato Capital Limited2025-12-24
192Payablu Credit Limited2024-06-27
193Pembeni Cash Ltd2025-09-02
194Pesaglow Capital Limited2024-10-01
195Pesakay Credit Limited—
196Pesakuu Credit Limited2024-10-01
197Peshee Capital Limited2025-12-24
198Pezesha Africa Limited2023-01-30
199Phoenix Capital Limited2024-10-01
200Pi Capital Limited2024-03-06
201Platinum Credit Limited2025-09-02
202Pocket Dealers Limited—
203Premier Credit Limited2024-10-01
204Primebridge Capital Limited—
205Progressive Credit Limited2024-06-27
206Puphik Credit Limited2024-10-01
207Quickflex Ventures Ltd—
208Radi Credit Limited2024-10-01
209Rapidcash Ventures Limited—
210Real People Kenya Limited2025-12-24
211Reazilla DCP Limited2025-09-02
212Remy Capital Limited—
213Rewot Ciro Limited2022-09-19
214Ridgeways Credit Limited—
215Risine Credit Limited2023-03-27
216Rooted Digital Credit Provider Limited—
217Rosatap Credit Limited2025-12-24
218Rosky Credit Limited—
219Rukisha Solutions Limited—
220Saidika Credit Limited—
221Seanala Credit Limited2025-12-24
222Select Management Services Limited2025-12-24
223Senti Capital Limited2024-03-06
224Sevi Innovation Limited2022-09-19
225Signature Capital Limited—
226Simbageld Ltd2025-06-05
227Simplepay Capital Limited2024-10-01
228Sipranda Capital Ltd2025-06-05
229Siti Mobility Technologies Limited2024-10-01
230Snowflex Capital Limited—
231Sokohela Limited2022-09-19
232Solvezy Technology Kenya Limited—
233Spectrum Credit Ltd2025-06-05
234Spread Capital Ltd2025-06-05
235Standthrive Solutions Limited—
236Statim Capital Limited—
237Steadfast Credit Ltd2025-06-05
238Stemtide Credit Limited—
239Stepwise Credit Limited—
240Stride Credit Limited2024-06-27
241Suffice Ltd2025-09-02
242Sumpay Limited—
243Sure Cred Capital Limited2024-10-01
244Symos Credit Limited—
245Tanir Credit & Accounting Services Limited2024-10-01
246Tazu Credit Limited2025-12-24
247Tenakata Enterprises Limited2023-01-30
248Tentacorp Holdings Limited2025-06-05
249TGL Credit Limited—
250Tinycost Credit Kenya Limited2025-06-05
251Tip-Point Capital Limited2024-10-01
252Tottengram Credit Ltd—
253Town Credit Ltd—
254Transsnet Credit Limited2025-12-24
255Transventures Capital Limited—
256Treasure Store Limited2024-10-01
257Trinmarc Ventures Limited—
258TrustGro SCA Limited2025-12-24
259Tundar Capital Limited—
260UbaPesa Limited2024-03-06
261Umoja Fanisi Limited2023-01-30
262Unidirect Ltd2025-09-02
263Unifi Credit Limited2025-06-05
264Vankizah Credit Limited—
265Vision Edge Credit Partners Limited2025-12-24
266Visionfund Kenya Limited—
267Wabema Credit Ltd2025-06-05
268Wakanda Credit Limited2025-12-24
269Watu Credit Ltd2025-06-05
270WeLend Limited—
271Westlip Credit Limited2025-12-24
272Wiresphere Limited—
273Xpress Capital Solutions Limited—
274Yehu Impact Limited—
275Zaidavu Credit Limited—
276Zaidi Pato Limited2025-09-02
277Zamaradi Capital & Credit Group Limited2025-06-05
278Zanifu Limited2023-01-30
279Zenka Digital Limited2023-03-27
280Ziki Credit Limited2025-12-24
281Zillions 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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