Cash Loan
Decimal Capital Digital Loan
Decimal Capital
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
Varies
Loan Amount
Ksh 3,000 - Ksh 50,000
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
KshNaN
Rating Breakdown
5★
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4★
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1★
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Total: 0 Reviews
Pros & Cons
Pros
- Well-designed mobile app experience
- Supports partial repayments when cash flow is tight
- CBK-regulated and licensed, answerable to the Central Bank
- Customer WhatsApp channel for quick escalations
Cons
- Mobile-first service assumes smartphone access
- Gmail-only contact channel — no branded website
Expert Analysis
Decimal Capital is a CBK-licensed Digital Credit Provider, licensed in 2024. Pricing and disclosure obligations follow CBK's 2022 DCP rules. Decimal Capital leans into small-business and working-capital lending, targeting traders and SMEs rather than salaried employees.
Customer Reviews
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Product Details
Features
- CBK-licensed Digital Credit Provider since 2024
- No guarantor required for personal loans
- KYC verification via IPRS and Huduma number
- Loan top-ups available mid-term for existing customers
- Asset financing for equipment and vehicles
- Loan limit grows with successful repayment history
- Transparent total cost disclosure before acceptance
Eligibility Requirements
Age: 18 - 65 years
0Employment: Any
Required Documents
- National ID
- Smartphone with internet
- M-Pesa account
Repayment Options
M-Pesa
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