Skip to main content
PesaMarket🇰🇪
Official CBK Data

CBK Licensed Lenders in Kenya 2026

Complete List of Central Bank of Kenya Regulated Financial Institutions

252 licensed Digital Credit Providers · Register last updated 2026-08-18

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

Need help? Chat with us