CBK Statement on 126 Licensed Digital Credit Providers In Kenya

The Central Bank of Kenya (CBK) announces the licensing of an additional 41 Digital Credit
Providers (DCPs). This is pursuant to Section 59(2) of the Central Bank of Kenya Act (CBK
Act). This brings the number of licensed DCPs to 126 following the last licensing of 27
DCPs announced in October 2024.

CBK has received more than 700 applications since March 2022 and has worked closely with
the applicants in reviewing their applications. Additionally, CBK has engaged other
regulators and agencies pertinent to the licensing process, including the Office of the Data
Protection Commissioner.

The focus of the engagements has been inter alia on business models, consumer
protection and fitness and propriety of proposed shareholders, directors, and
management. This is to ensure adherence to the relevant laws and importantly that the
interests of customers are safeguarded. We acknowledge the efforts of the applicants and
the support of other regulators and agencies in this process.

Details of the 41 licensed DCPs can be accessed here. Other applicants are at different stages
in the process, largely awaiting the submission of requisite documentation. We urge these
applicants to submit the pending documentation expeditiously to enable completion of the
review of their applications.

Reports by the public on unregulated DCPs can be sent through dcps@centralbank.go.ke.
The licensing and oversight of DCPs as indicated previously, was precipitated by concerns
raised by the public about the predatory practices of the unregulated DCPs, and in particular,
their high cost, unethical debt collection practices, and the abuse of personal information.

By CENTRAL BANK OF KENYA
June 5, 2025

List of Approved Digital Lenders in Kenya by CBK

1. Absolute Credit Kenya Ltd
2. Adroit Credit Limited
3. Ambush Capital Limited trading under FlashPesa
4. Anjoy Credit Limited
5. Asap Credit Limited
6. Asante FS East Africa Limited
7. Autochek Limited
8. Aventus Technology Limited
9. Avenews Ke Ltd
10. AVL Capital Ltd
11. Azura Credit Limited
12. Bimas Kenya Limited
13. BRAC Kenya Company Limited
14. Bytech Credit Limited
15. Ceres Tech Limited
16. Chapeo Capital Limited
17. Chelete Credit Limited
18. Chime Capital Limited
19. Colkos Enterprises Limited
20. Creditarea Capital Limited
21. Decimal Capital Limited
22. Dexintec Kenya Limited
23. Dime Credit Limited
24. East African Futures Company Limited
25. ED Partners Africa Limited
26. EDOMX Limited
27. Ellegant Credit Limited
28. Extend Money Services Limited
29. Fabilo Credit Ltd
30. Factorhouse Limited
31. Fahari Point Capital Limited
32. Fantom Capital Limited
33. Fezotech Kenya Limited
34. Finberry Capital Ltd
35. Finboom Credit Kenya Limited
36. Fincorp Credit Limited
37. Fortune Credit Limited
38. Fourth Generation Capital Limited
39. Frictionless Enterprises Limited
40. Getcash Capital Limited
41. Giando Africa Limited (Trading as Flash Credit Africa)
42. Girls First Kenya Limited
43. Granary Capital Limited
44. Hela Capital Limited
45. Helium Credit Limited
46. Inventure Mobile Limited (Trading as Tala)
47. Inspire Credit Limited
48. Ismuk Credit Limited
49. Jijenge Credit Limited
50. Jumo Kenya Limited
51. Kifedha Ltd
52. Kikwetu Credit Ltd
53. Kweli Smart Solutions Limited
54. Leja Ltd
55. Lenana Innovative Solutions Limited
56. Letshego Kenya Ltd
57. Lipa Later Limited
58. Little Pesa Limited
59. Loan Plus Ltd
60. Lobelitec Credit Limited
61. LockBx Limited
62. Maralal Ledger Limited
63. Longitude Capital Limited
64. Marble Capital Solutions Limited
65. MCF 2 Kenya Limited
66. Maxxton Enterprise Ltd
67. Mint Credit Limited
68. Milhan Access Capital Limited
69. MFS Technologies Limited
70. MKM Capital Limited
71. M-Kopa Loan Kenya Limited
72. Mogo Auto Limited
73. Mkulima Pay Ltd
74. Modesty Credit Ltd
75. Momentum Credit Limited
76. Mwanzo Credit Limited
77. Moneza Ltd
78. Mycredit Limited
79. MyWagepay Limited
80. Natal Tech Limited
81. Ngao Credit Limited
82. Nawiri African Sprouts Ltd trading as Fast Credit
83. Newark Frontier Limited
84. ODI Credit Limited
85. Numida Technologies Limited
86. Okolea International Limited
87. Opal Quick Limited
88. Payablu Credit Limited
89. Pesaglow Capital Limited
90. Pesakuu Credit Limited
91. Pezesha Africa Limited
92. Phoenix Capital Limited
93. Pi Capital Limited
94. Premier Credit Limited
95. Puphik Credit Limited
96. Progressive Credit Limited
97. Radi Credit Limited
98. Rewot Ciro Limited
99. Risine Credit Limited
100. Senti Capital Limited
101. Sevi Innovation Limited
102. Simplepay Capital Limited
103. Siti Mobility Technologies Limited
104. Sokohela Limited
105. Simbageld Ltd
106. Sipranda Capital Ltd
107. Sure Cred Capital Limited
108. Spectrum Capital Ltd
109. Spread Capital Ltd
110. Steadfast Credit Ltd
111. Stride Credit Limited
112. Tanir Credit & Accounting Services Limited
113. Tenakata Enterprises Limited
114. Tip-Point Capital Limited
115. Tentacorp Holdings Limited
116. Tinycost Credit Kenya Limited
117. Treasure Store Limited
118. UbaPesa Limited
119. Umoja Fanisi Limited
120. Zanifu Limited
121. Unifi Credit Limited
122. Wabema Credit Ltd
123. Watu Credit Ltd
124. Zamaradi Capital Credit
125. Zenka Digital Limited
126. Zillions Credit Limited

Detail about the Credit Providers provided above are available on CBK page here