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Wakopeshaji Wenye Leseni ya CBK Kenya 2026

Orodha Kamili ya Taasisi za Kifedha Zinazodhibitiwa na Benki Kuu ya Kenya

Watoa Mikopo ya Kidijitali 252 wenye leseni · Orodha ilisasishwa mwisho 2026-08-18

Kabla ya kuchukua mkopo wowote, hakikisha mkopeshaji wako ana leseni kutoka Benki Kuu ya Kenya (CBK). Wakopeshaji wenye leseni wanafuata sheria kali kulinda wakopaji.

Kwa Nini Leseni ni Muhimu

  • Ulinzi wa watumiaji chini ya sheria za Kenya
  • Viwango vya riba na ada vilivyodhibitiwa
  • Ushughulikiaji sahihi wa data na faragha
  • Njia za kisheria ikiwa kutakuwa na migogoro
  • Hakuna udhalilishaji au mbinu haramu za ukusanyaji

Kategoria za Wakopeshaji Wenye Leseni

Benki za Biashara

39

Mdhibiti: Benki Kuu ya Kenya

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

Benki za Microfinance

14

Mdhibiti: Benki Kuu ya Kenya

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

Wakopeshaji wa Kidijitali

195

Mdhibiti: Benki Kuu ya Kenya (tangu 2022)

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

SACCOs

175+

Mdhibiti: SASRA (Mamlaka ya Udhibiti wa Vyama vya SACCO)

Mifano: Stima SACCO, Mwalimu SACCO, Kenya Police SACCO

Waliopewa Leseni Hivi Karibuni (2025-12-24)

Benki Kuu ya Kenya iliongeza Watoa Mikopo ya Kidijitali 41 katika sasisho lake la 2025-12-24 — kundi jipya zaidi la leseni katika orodha yetu:

  • +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

Orodha Kamili A–Z ya Watoa Mikopo ya Kidijitali Wenye Leseni

Chanzo: Benki Kuu ya Kenya, Orodha ya Watoa Mikopo ya Kidijitali (toleo la 24 Desemba 2025). Tarehe 14 Aprili 2026 CBK ilitoa leseni kwa watoa mikopo 32 zaidi, na kufanya jumla ya kitaifa kuwa 227; jedwali hapa chini husasishwa CBK inapochapisha orodha yake upya.

#Jina la TaasisiTarehe ya Leseni
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

Jinsi ya Kuthibitisha Mkopeshaji

  1. 1Tembelea tovuti ya CBK kwenye centralbank.go.ke
  2. 2Nenda sehemu ya "Taasisi Zinazodhibitiwa"
  3. 3Tafuta mkopeshaji kwa jina
  4. 4Angalia hali yao ya leseni na kategoria
  5. 5Kwa wakopeshaji wa kidijitali, angalia orodha ya DCP
Tembelea Tovuti ya CBK

Ishara za Onyo za Wakopeshaji Wasio na Leseni

  • Hakuna nambari ya leseni ya CBK iliyoonyeshwa
  • Viwango vya riba juu ya mipaka ya kisheria
  • Uuzaji wa fujo kupitia SMS/WhatsApp
  • Maombi ya ada kabla ya kutolewa mkopo
  • Vitisho au kuaibisha hadharani kwa malipo ya kuchelewa

Maswali Yanayoulizwa Mara kwa Mara

Jinsi gani ninaweza kuthibitisha kama mkopeshaji ana leseni ya CBK?

Tembelea centralbank.go.ke na angalia orodha ya taasisi zinazodhibitiwa. Benki zote zenye leseni, benki za microfinance, na wakopeshaji wa kidijitali wameorodheshwa huko.

Kiwango cha juu cha riba kinachoruhusiwa Kenya ni kipi?

Kiwango cha Benki Kuu pamoja na 4% kwa benki. Wakopeshaji wa kidijitali lazima wafunue Kiwango cha Asilimia ya Mwaka (APR) wazi kabla ya kutolewa mkopo.

Nifanye nini ikiwa nilikopa kutoka kwa mkopeshaji asiye na leseni?

Waripoti kwa CBK na Mamlaka ya Ushindani ya Kenya. Unaweza pia kuwasilisha malalamiko kwa polisi ikiwa wanajihusisha na udhalilishaji.

Je, programu za mikopo ya simu zinadhibitiwa Kenya?

Ndiyo, tangu Septemba 2022, Watoa Mikopo ya Kidijitali wote lazima wawe na leseni ya CBK. Angalia leseni yao ya DCP kabla ya kukopa.

Nini kilibadilika katika udhibiti wa mikopo ya kidijitali Kenya mwaka 2025?

Sheria ya Marekebisho ya Sheria za Biashara ya 2024 — iliyoanza kutumika Januari 2025 — ilipanua mamlaka ya CBK kutoka "Watoa Mikopo ya Kidijitali" hadi watoa mikopo wote wasiopokea amana, ikiwa ni pamoja na wakopeshaji wasio wa kidijitali kama makampuni ya lipa-baadaye na wakopeshaji wadogo. Wakopeshaji ambao hawakudhibitiwa awali sasa lazima waombe leseni ya CBK, ndiyo maana orodha iliendelea kukua mwaka 2025.

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