Digital Credit Lenders in Kenya: CBK Approval & Licensed Providers

Kenya’s digital lending sector has experienced exponential growth, driven by mobile technology and financial inclusion efforts. However, concerns over predatory lending and data privacy led the Central Bank of Kenya (CBK) to introduce strict regulations. Since 2022, Digital Credit Lenders (DCPs) must obtain CBK approval to operate legally.

As of 2025, 85 digital lenders have been licensed, with hundreds more under review. This guide covers everything you need to know about CBK-approved digital credit lenders, the licensing process, and how to identify legitimate providers.

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1. The Rise of Digital Credit Lenders in Kenya

Kenya’s digital lending boom began in the early 2010s with apps like Tala, Branch, and M-Shwari, offering instant loans via mobile phones. However, the lack of regulation led to:

• Exorbitant interest rates (some exceeding 100% APR)
• Aggressive debt collection (shaming borrowers via contacts)
• Data privacy violations (unauthorized access to phone data) 

To curb these practices, the CBK Act 2021 and Digital Credit Providers Regulations 2022 mandated licensing for all digital lenders.

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2. How Digital Credit Lenders Get CBK Approval

The CBK licensing process is rigorous, ensuring only compliant lenders operate. Here’s how it works:

Key Licensing Requirements

• Business Registration: Must be a legally incorporated entity in Kenya.
• Fit & Proper Checks: Directors/shareholders must pass integrity tests.
• Capital Proof: No fixed minimum, but sufficient funds must be shown.
• Consumer Protection Policies: Clear loan terms, fair pricing, and complaint mechanisms.
• Data Protection Compliance: Must align with Kenya’s Data Protection Act.
• AML/CFT Policies: Anti-money laundering and anti-terror financing measures.

Step-by-Step Licensing Process

1. Name Approval: Reserve a business name with CBK.
2. Application Submission: Submit Form CBK DCP with supporting documents.
3. Review & Testing: CBK assesses the application (60–90 days) and tests API integration.
4. Approval & Gazette Notice: Pay KSh 20,000 annual license fee and receive approval.

Rejection Reasons: Incomplete documents, poor AML policies, or failed API testing.

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3. Full List of Licensed Digital Credit Lenders (2025)

As of May 2025, 85 digital lenders are CBK-approved. Below are some key providers:

No.	Provider Name	Contact	Physical Address
1	Ambush Capital Limited (FlashPesa)	+254769159474	Unit 1302, Applewood Adams, Ngong Road, Nairobi
2	Anjoy Credit Limited	+254769984360	Transnational House, Mama Ngina Street, Nairobi
3	Asante FS East Africa Limited	+254111017500	Delta Corner Towers, Waiyaki Way, Westlands
4	Autochek Limited	+254111034300	West Park Towers, Mpesi Lane, Nairobi
5	Azura Credit Limited	+254705903265	Top Plaza, Kilimani Street, Westlands
6	Bytech Credit Limited	+254781646440	Suite B7, Chania Avenue, Kilimani
7	Ceres Tech Limited	+254702038679	Victoria Court, Ruaraka
8	Chapeo Capital Limited	+254725235235	33 Spring Valley Road, Nairobi
9	Chime Capital Limited	+254720990601	Agip House, Harambee Avenue
10	Colkos Enterprises Limited	+254722253228	Amani Court, Adams Arcade
11	Creditarea Capital Limited (Kashbean)	+254709462700	Baba Dogo Business Park, Nairobi
12	Decimal Capital Limited	+254721858774	Nachu Plaza, Upperhill
13	Dexintec Kenya Limited	+254727620547	Cardinal Otunga Plaza, Koinange Road
14	Dime Credit Limited	+254722217215	Two Rivers Mall, Limuru Road
15	Dreamlife Technology Limited	+254115263074	Tetezi Towers, Ngong Road
16	ED Partners Africa Limited	+254722462044	Haven Court, Waiyaki Way
17	EDOMX Limited	+254701220220	The Address, Muthangari Drive
18	Ellegant Credit Limited	+254746851679	Lonak Business Centre, Kasarani
19	Extend Money Services Limited	+254709503000	Vision Plaza, Mombasa Road
20	Factorhouse Limited	+254726770992	Liberty Plaza, Mombasa Road
21	Fahari Point Capital Limited	+254721457267	Kalson Towers, Parklands
22	Fezotech Kenya Limited	+254111753435	The Arch Place, Kilimani
23	Fincorp Credit Limited	+254706355355	Ecobank Towers, Muindi Mbingu Street
24	Fortune Credit Limited	+254722982474	Enwealth Business Centre, Ngong Lane
25	Fourth Generation Capital Limited	+254113862239	Africa Reit House, Nairobi
26	Getcash Capital Limited	+254736276000	Devcon House, Lunga Lunga
27	Giando Africa Limited (Flash Credit Africa)	+254713948254	Krishna Center, Woodvale Groove
28	Hela Capital Limited	+254207766666	Feruzi Towers, Kiambu Road
29	Inventure Mobile Limited (Tala)	0800720597 (Toll-Free)	The Oval, Westlands
30	Inspire Credit Limited	+254758555333	Muthaiga Square, Thika Road
31	Ismuk Credit Limited	+254768654598	Delta House, University Way
32	Jijenge Credit Limited	+254722843770	Town House, Kaunda Street
33	Jumo Kenya Limited	+254787777771	Merchant Square, Riverside
34	Kweli Smart Solutions Limited	+254791578693	Eaton Place, UN Crescent
35	Lenana Innovative Solutions Limited	+254110010394	Garden Estate, Nairobi
36	Letshego Kenya Ltd	+254730687000	Upper Hill Chambers, Ngong Avenue
37	Lipa Later Limited	+254709684000	Lavington, Olenguruone Avenue
38	Little Pesa Limited	+254746510778	Reliable Towers, Mogotio Road
39	Lobelitec Credit Limited	+254740006073	Galana Plaza, Galana Road
40	LockBx Limited	+254726210997	Sifa Towers, Nairobi
41	Maralal Ledger Limited	+254724055813	Feruzi Towers, Kiambu Road
42	Marble Capital Solutions Limited	+254729141295	Maasai Mall, Ongata Rongai
43	MCF 2 Kenya Limited	+254707136044	EL Molo Drive, Lavington
44	Mint Credit Limited	+254799555333	Trance Towers, South B
45	MFS Technologies Limited	+254709184000	Capital West, Lantana Road
46	MKM Capital Limited	+254707039513	Western Heights, Nairobi
47	M-Kopa Loan Kenya Limited	+254707333222	Riverside Paddocks, Nairobi
48	Mogo Auto Limited	+254768469112	Pine Tree Plaza, Ngong Road
49	Momentum Credit Limited	+254709434900	International House, Mama Ngina Street
50	Mwanzo Credit Limited	+254704239633	Bandari Plaza, Woodvale Groove
51	MyWagepay Limited	+254709508080	Valley View Park, City Park Drive
52	Natal Tech Limited	+254715678901	Nairobi
53	Ngao Credit Limited	+254724055813	Feruzi Towers, Kiambu Road
54	Okolea International Limited	+254722436243	Greenfield Towers, Donholm
55	Pezesha Africa Limited	+254709751000	Kabarsiran Avenue, Westlands
56	Pi Capital Limited	+254700123456	Mirage Towers, Westlands
57	Rewot Ciro Limited	+254728235235	Peponi House, Spring Valley
58	Risine Credit Limited	+254711222333	International Life House
59	Senti Capital Limited	+254721345678	Pioneer House, Moi Avenue
60	Sevi Innovation Limited	+254737222111	Wakulima House, Nairobi
61	Sokohela Limited	+254799456789	Royal Plaza, Kenyatta Avenue
62	Tenakata Enterprises Limited	+254789123456	Nyali Plaza, Mombasa
63	UbaPesa Limited	+254710111222	Timau Plaza, Argwings Kodhek Road
64	Umoja Fanisi Limited	+254722436243	Greenfield Towers, Donholm
65	Zanifu Limited	+254732532532	Victoria Plaza, Parklands
66	Zenka Digital Limited	+254732532532	Victoria Plaza, Parklands
67	Zillions Credit Limited (Zash Loans)	+254700123456	Mirage Towers, Westlands
68	Aspira Kenya Limited	+254709686000	Park Suites, Parklands
69	Choice Microfinance Bank Limited	+254709972000	Chester House, Koinange Street
70	E-Finance Group Limited	+254700170026	Ruiru Business Centre
71	Evolution Capital Partners Limited	+254728743534	Karen Plains Arcade
72	Fairloan Financial Services Limited	+254721657089	Fortis Tower, Westlands
73	Fundis Capital Limited	+254704453111	Wilson Business Park
74	GetBucks Kenya Limited	+254727320000	Corner House, Kimathi Street
75	Jitegemea Credit Scheme Limited	+254713640067	KTDA Farmers Building
76	Key Partners Limited	+254724148173	Professional Centre, Parliament Road
77	Kilimo Capital Limited	+254703889900	Banda House, Milimani Road
78	Kitaa Digital Financial Solutions	+254743794284	The Hive, Ngong Lane
79	Kwikcash Kenya Limited	+254735325365	International House
80	Lendify Limited	+254799460048	Tausi Lane, Muthithi Road
81	Lentera Digital Limited	+254745645789	The Mirage, Tower B
82	Leo Capital Kenya Limited	+254790333111	Cresent Business Center
83	Liberty Capital Limited	+254705888777	Greenfield Towers
84	Lipana Loan Limited	+254728917862	Vision Tower, Mombasa Road
85	Maisha Microfinance Bank Limited	+254709074000	Lavington Mall, James Gichuru Road

4. Recent Changes in Digital Lending Regulations

The Business Laws Amendment Act 2024 introduced major updates:

• “Digital Credit” term removed: Now classified under “Non-Deposit Taking Credit Providers”
• Stricter Penalties: Unlicensed lenders face fines up to KSh 20 million.
• Enhanced Consumer Rights: Clearer pricing, fair debt collection, and complaint resolution 8.

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5. How to Choose a Safe Digital Lender

To avoid scams, check:
✅ CBK License Status (Verify here)
✅ Transparent Fees (No hidden charges)
✅ Data Privacy Policy (GDPR/DPA compliance)
✅ Customer Reviews (Check Play Store/App Store ratings)

Award-Winning Lenders (2025):

• Little Pesa (Best Overall)
• Fincorp Credit (Best for SMEs)
• Umoja Fanisi (Most Affordable)

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Conclusion

The CBK’s regulation of digital credit lenders has brought much-needed transparency and consumer protection. Borrowers should only use licensed lenders and report unlicensed apps to the CBK.

For updates, visit the CBK website or follow financial news platforms.