The number of loan apps in Kenya has been on the rise, and many of them exploit Kenyans, primarily through exorbitant interest rates and unethical debt collection tactics. In March 2022, the Central Bank of Kenya (CBK) began regulating and issuing licenses to various digital credit providers as mandated by the CBK Amendment Bill of 2021.
The year 2025 has seen the number of licensed digital lenders in Kenya rise significantly, with a total of 126 licensed digital credit providers as of June 2025. This increase includes the latest licensing round in June 2025, which added 41 new digital lenders. Additionally, the CBK continues to review over 700 applications from digital lenders seeking approval.
Below is a full table of all the 126 licensed digital lenders in Kenya as of the update of this article.
| No. | Company Name | Trading Name | Postal Address | Telephone | Physical Address | Date Licensed | |
|---|---|---|---|---|---|---|---|
| 1 | Absolute Credit Kenya Ltd | – | P.O. Box 72528 – 00505, Nairobi | +254794887996 | absolutecreditlimited@gmail.com | Ultramond Godown and Offices, Mombasa Road, Nairobi | June 4, 2025 |
| 2 | Adroit Credit Limited | – | P.O. Box 35717-00100 | +254735509000 | request@adroitcredit.co.ke | Centenary House, Block A, 4th Floor Ring Road, Westlands | June 4, 2025 |
| 3 | Ambush Capital Limited | FlashPesa | P.O. Box 52800, Nairobi | +254769159474 | support@flashpesa.co.ke | Unit 1302, 13th Floor, Applewood Adams, Ngong Road, Nairobi | October 1, 2024 |
| 4 | Anjoy Credit Limited | – | P.O. Box 40583 – 00100, Nairobi | +254769984360 | info@anjoycredit.com | Transnational House 1st Floor, Mama Ngina Street, Nairobi | March 27, 2023 |
| 5 | Asap Credit Limited | – | P.O. Box 2358 – 00621 Nairobi | +254706900000 | asapcreditlimited@gmail.com | Old Mutual Building Kimathi Street | June 4, 2025 |
| 6 | Asante FS East Africa Limited | – | P.O. Box 13796 – 00800, Nairobi | +254111017500 | info@asantefinancegroup.com | Delta Corner Towers, 3rd Floor, Waiyaki Way, Westlands, Nairobi | March 27, 2023 |
| 7 | Autochek Limited | – | P.O. Box 66249-00800, Nairobi | +254 791 694 004 | autochekkenya@autochek.africa | West Park Towers, 4th Floor, Suite 407, Mpesi Lane, off Muthithi Road, Nairobi | March 6, 2024 |
| 8 | Aventus Technology Limited | – | P.O. Box 30834 – 00100 | +254709029000 | customer@lendplus.ke | Rhapta Road, Rhapta Heights, Nairobi | June 4, 2025 |
| 9 | Avenews Ke Ltd | – | P.O. Box 39375-00623, Nairobi | +254111133300 | jibiwa@avenews-gt.com | 9 West Building, 7th Floor, Office 701A, Parklands, Nairobi | June 4, 2025 |
| 10 | AVL Capital Ltd | – | P.O. Box 35502- 00100, Nairobi | +254 717 780 171 / +254 20 230 4180 | info@avlcapital.com | Lower Duplex Apartments, Suite 24, Upper Hill Road | June 4, 2025 |
| 11 | Azura Credit Limited | – | P.O. Box 51191 – 00100, Nairobi | +254705903265 | azurakenyacredit@gmail.com | Top Plaza, Kilimani Street, Kindaruma Lane, Westlands, Nairobi | March 6, 2024 |
| 12 | Bimas Kenya Limited | – | P.O. Box 2299-6010, Embu | 0111056010 | pgathondu@bimaskenya.com/ info@bimaskenya.com | Bimas Plaza, Embu | June 4, 2025 |
| 13 | BRAC Kenya Company Limited | – | P.O. Box 22316 – 00505 | +254 (0) 743797670 | info.bkcl@brac.net | Fawe House, Chania Avenue | June 4, 2025 |
| 14 | Bytech Credit Limited | – | P.O. Box 3250 – 00200, Nairobi | +254781646440 | bytechcreditltd@gmail.com | Kiserian,Magadi Road,Building Opposite Shell Petro Station | October 1, 2024 |
| 15 | Ceres Tech Limited | – | P.O. Box 50047 – 00100, GPO, Nairobi | +254702038679 | cerestechltdke@gmail.com | Victoria Court, Abacus Lane, Ruaraka, Nairobi | September 19, 2022 |
| 16 | Chapeo Capital Limited | – | P.O. Box 14363 – 00800, Nairobi | +254725235235/ +254738235000 | info@chapeo.club | Wallstreet Business Park, Godown No. 10., ICD Road- Off Mombasa Road | March 6, 2024 |
| 17 | Chelete Credit Limited | – | P.O. Box 29980 – 00100, Nairobi | +254115263074 | cheletecreditltd@gmail.com | Tetezi Towers, Ground Floor, off Ngong Road, George Padmore Road, Nairobi | October 1, 2024 |
| 18 | Chime Capital Limited | – | P.O Box 63491-00619 | 0114412387 | accounts@chime.llc | Victoria Plaza, Parklands Road | March 6, 2024 |
| 19 | Colkos Enterprises Limited | – | P.O. Box 22813 – 00505, Ngong Road, Nairobi | +254722253228 / +254741129129 | info@colkos.com | Amani Court, Near Adams Arcade, Nairobi | March 27, 2023 |
| 20 | Creditarea Capital Limited | – | P.O. Box 7640-00600, Nairobi | +254709462700 / 0721734688 | help@kashbean.co.ke | Baba Dogo, Business Park, Eastlands, Off Outering Road, Spect Godown No.3, Nairobi | March 6, 2024 |
| 21 | Decimal Capital Limited | – | P.O. Box 5077-00100, Nairobi | +25474888774 | decimalcapital@gmail.com | Nachu Plaza, 9th Floor, Kiambere Road, Upperhill, Nairobi | March 6, 2024 |
| 22 | Dexintec Kenya Limited | – | P. O. Box. 103818 – 00100, Nairobi | +254727620547 | info@ke.dexintec.com | Cardinal Otunga Plaza, Koinange Road, Starehe District, Nairobi | March 6, 2024 |
| 23 | Dime Credit Limited | – | P.O. Box 8628-00100, Nairobi | +254722217215 | dimecredit@gmail.com | Two Rivers Mall, 2nd Floor, South Tower, Limuru Road, Nairobi | October 1, 2024 |
| 24 | East African Futures Company Limited | – | P.O. Box 20498 – 00100 | +254 703130699 | info@futures.co.ke | Rattansi Education, Trust Building, Koinange Street, Nairobi | June 4, 2025 |
| 25 | ED Partners Africa Limited | – | P. O. Box. 1063 – 00100, Nairobi | +254 111 131 000 | customercare@edpartnersafrica.com | ParkField Place,4th Floor Waiyaki Way Opposite Safaricom House | June 27, 2024 |
| 26 | EDOMX Limited | – | P.O. Box 797-00606, Nairobi | +254701220220 | legal@edomx.com | The Address, 16th Floor, Muthangari Drive, Westlands, Nairobi | March 27, 2023 |
| 27 | Ellegant Credit Limited | – | P.O. Box 57639-00200, Nairobi | +254746851679 | info@ellegantcredit.com | Lonak Business Centre, 1st Floor, Suite B11, Kasarani, Nairobi | October 1, 2024 |
| 28 | Extend Money Services Limited | – | P.O. Box 21735 – 00100, Nairobi | +254 709503 000 | info@extendmoney.co.ke | 4th Floor, Suite 6G, Vision Plaza, Mombasa Road, Nairobi | March 27, 2023 |
| 29 | Fabilo Credit Ltd | – | 42724 -00100 | + 254 743960066 | fabioserviceke@126.com | 1st floor, Delta Corner Annex, Ring Road Westlands Lane, Nairobi | June 4, 2025 |
| 30 | Factorhouse Limited | – | P. O. Box 70- 00618, Nairobi | +254726770992 | mwangi@factorhouseltd.com | 5th Floor, Liberty Plaza, Mombasa Road, Nairobi | March 6, 2024 |
| 31 | Fahari Point Capital Limited | – | P.O BOX 9394-00100, Nairobi | 0722262640 | Faharipointcapital@gmail.com, Info@faharipointcapital.com | Viewpark Towers 14th Floor – Utalii Lane | October 1, 2024 |
| 32 | Fantom Capital Limited | – | P. O. Box 15455-00400 | +254722362432 | kuriag.robert@gmail.com | Energies Ruaraka, Nairobi | June 4, 2025 |
| 33 | Fezotech Kenya Limited | – | P. O. Box 21188 00100 – GPO, Nairobi | +254 724032400 | fezotechkenya@gmail.com /fezotechk@gmail.com | The Arch Place Building, Kilimani Road, Westlands District, Nairobi | March 6, 2024 |
| 34 | Finberry Capital Ltd | – | P. O. Box 74937-00200, Nairobi | +254798890004 | info@berry.ke | ATC Centre, No 40 Riara Road | June 4, 2025 |
| 35 | Finboom Credit Kenya Limited | – | P. O. Box 936-00900, Kiambu | +254793780210 | help@finboomcredit.co.ke | Grainbelt go downs, Go down 2, Ruiru | June 4, 2025 |
| 36 | Fincorp Credit Limited | – | P.O. Box 12626-00400, Nairobi | 0706 355 355/0111 055 600 | info@fincorpcredit.co.ke | Gallant Mall, 8th Floor, Parklands Road | October 1, 2024 |
| 37 | Fortune Credit Limited | – | P.O. Box 4237-00506, Nairobi | +254722982474/0114943649 | info@fortunecredit.co.ke | Enwealth Business Centre, Ngong Lane, Nairobi | March 6, 2024 |
| 38 | Fourth Generation Capital Limited | – | P.O. Box 287-00502, Karen, Nairobi | +254113862239 | compliance@4g-capital.com / legal@4g-capital.com | Africa Reit Lane, Africa Reit House, Nairobi | March 27, 2023 |
| 39 | Frictionless Enterprises Limited | – | P.O. Box 77708 – 00508 | +254711082222 | hello@m-power.io | Power House, Kyuna Road, Spring Valley, Nairobi, Kenya | June 4, 2025 |
| 40 | Getcash Capital Limited | – | P.O. Box 15682 – 00503, Mbagathi, Nairobi | +254736276000 | info@getcashcapital.co.ke | Devcon House, 2nd Floor, Lunga Lunga, Nairobi | September 19, 2022 |
| 41 | Giando Africa Limited | Flash Credit Africa | P.O. Box 1816 – 00606 Sarit Centre | +254713948254/ 0706934558 | hello@flashcreditafrica.com | Krishna Center, Woodvale Groove, Nairobi | September 19, 2022 |
| 42 | Girls First Kenya Limited | – | P.O. Box 74041-00200, Nairobi | +254205002132 | info@girlsfirstfinance.com | 132 Manyani E Rd, Nairobi, Kenya (Zuri Health HQ) | June 4, 2025 |
| 43 | Granary Capital Limited | – | P.O. Box 15763-00509, Nairobi | +254715638770 | info@granarycapital.com | Butere Road, Credit Bank Building | June 4, 2025 |
| 44 | Hela Capital Limited | – | P.O. Box 19619-00100, Nairobi | +254 (20) 776 6666 | md@helacapitals.com | Thindigua, Kiambu Road, Feruzi Towers, 4th Floor, Wing A, Kiambu | October 1, 2024 |
| 45 | Helium Credit Limited | – | P.O. Box 14816 – 00800 | +254738150083/+254718584310 | heliumcredit@heliumhealth.com | Riverside Drive, Keystone Park, Westlands | June 4, 2025 |
| 46 | Inventure Mobile Limited | Tala | P.O. Box 35523 – 00100, Nairobi | 0800720597 (toll free) | hellokenya@talamobile.com | The Oval, 6th Floor, Wing A, Ring Road, Westlands, Nairobi | January 30, 2023 |
| 47 | Inspire Credit Limited | – | P.O. Box 10499 – 00400, Nairobi | +254758555333 / +254748111555 | info@inspirecredit.co.ke | Muthaiga Square, Thika Superhighway, Nairobi | October 1, 2024 |
| 48 | Ismuk Credit Limited | – | P.O. Box 60973 – 00200, Nairobi | +254768654598 | ismukventures@gmail.com | Delta House 4th Floor, Room 421, University Way, Nairobi | June 27, 2024 |
| 49 | Jijenge Credit Limited | – | P.O. Box 9578 – 00200, Nairobi | +254 711282727 | petermacharia@jijengecredit.com | 6th Floor Suites 604/605, Town House, Kaunda Street, Nairobi | September 19, 2022 |
| 50 | Jumo Kenya Limited | – | P.O. Box 10643 – 00100, Nairobi | +254787777771 | contact@jumo.world | Ikigai Nairobi, Merchant Square, Riverside Drive, Nairobi | January 30, 2023 |
| 51 | Kifedha Ltd | – | P.O. Box 105796 – 00100 | 0791573231 | info@kifedha.co.ke | Chambai House, Murang’a Road, Ngara | June 4, 2025 |
| 52 | Kikwetu Credit Ltd | – | P.O. Box 18010, GPO | 0721 257143/0768 150438 | kikwetucreditlimited@gmail.com | Alimex Plaza, Mombasa Road, Nairobi | June 4, 2025 |
| 53 | Kweli Smart Solutions Limited | – | P.O. Box 53431-00200, Nairobi | +254791578693 | sema@ksmart.tech | 2nd Floor, Eaton Place, UN Crescent Avenue, Nairobi | September 19, 2022 |
| 54 | Leja Ltd | – | 238370-0100Nairobi | +254768212665 | info@leja.co.ke | Keystone Park, 95 Riverside Drive 3 Floor, Block A, Riverside Dr, Nairobi | June 4, 2025 |
| 55 | Lenana Innovative Solutions Limited | – | P.O. Box 899 – 00618, Nairobi | +254110010394 | info@lenana.com | Westcom Point Building, Mahiga Mairu Avenue, Westlands, Wing A, Third Floor | October 1, 2024 |
| 56 | Letshego Kenya Ltd | – | P.O. Box 52926 – 00200, Nairobi | +254730687000 | kenya@letshego.com | 316 Upper Hill Chambers, 7th Floor, 2nd Ngong Avenue, Nairobi | January 30, 2023 |
| 57 | Lipa Later Limited | – | P.O. Box 43537 – 00100, Nairobi | +254709684000 | info@lipalater.com | Lipa Later HQ, Lavington, next to Mawara Gardens, Off Olenguruone Avenue, Nairobi | March 6, 2024 |
| 58 | Little Pesa Limited | – | P.O. Box 39886 – 00623, Nairobi | +254746510778/+254710490126/+254746510781 | Info@littlepesa.com | Reliable Towers, Mogotio Road, Westlands, Nairobi | March 27, 2023 |
| 59 | Loan Plus Ltd | – | P.O. Box 39940 – 00623 | +25479981870 | loanplusDCP@hotmail.com | 1th Floor, 623 Wood Avenue, Nairobi | June 4, 2025 |
| 60 | Lobelitec Credit Limited | – | P. O. Box 51191 00100, Nairobi | 0112096086 | lobeliteccredit@gmail.com | Ngong Road Kindaruma Lane, Commodore Offices Plot 209 | March 6, 2024 |
| 61 | LockBx Limited | – | P.O. Box 25350-00603, Nairobi | +254726210997 | info@lockbx.co.ke | Sifa Towers, 6th Floor, 6A, Nairobi | October 1, 2024 |
| 62 | Maralal Ledger Limited | – | P.O. Box 104949-00101 | +254724055813 | info@maralalledger.com | Feruzi Towers, Fourth Floor, Wing B, Kiambu Road | March 6, 2024 |
| 63 | Longitude Capital Limited | – | 62268-00200 Nairobi, Kenya | +254 20 4401213 | info@longitudecapital.co.ke | 6th Floor Silkwood Office Suits, Ngong Road | June 4, 2025 |
| 64 | Marble Capital Solutions Limited | – | P.O. Box 818 – 00511, Ongata Rongai | +254729141295 | marblecapitalsolutions@gmail.com | 2nd Floor, Maasai Mall, Ongata Rongai | March 6, 2024 |
| 65 | MCF 2 Kenya Limited | – | P.O. Box 6711 GPO, Nairobi | +254707136044 | info@medicalcreditfund.org | 52 EL Molo Drive Lavington, Off Naushad Merali Drive, Nairobi | October 1, 2024 |
| 66 | Maxxton Enterprise Ltd | – | P.O. Box 51090-00200 | +254733398614 | info@maxxtonltd.com | Koinange Street, College House, Nairobi | June 4, 2025 |
| 67 | Mint Credit Limited | – | P.O Box 2417-00606, Sarit Centre | +254799555333 | info@mintcredit.co.ke | Trance Towers 7th floor, South B, Tsavo Road, Nairobi | June 27, 2024 |
| 68 | Milhan Access Capital Limited | – | P.O. Box 5148-00100 | 0790309958 | Info@milhanaccesscapital.com | Azure Tower Lantana Road Westlands | June 4, 2025 |
| 69 | MFS Technologies Limited | – | P.O. Box 43250-00100, Nairobi | +254709184000 | info@mfs.co.ke | Capital West, 5th Floor, Lantana Road (Off Rhapta Road), Nairobi | January 30, 2023 |
| 70 | MKM Capital Limited | – | P.O Box 22715-00505, Nairobi | +254707039513 | info@mkmcapitalglobal.co.ke | Western Heights, 4th Floor, Suite 10, Nairobi | March 6, 2024 |
| 71 | M-Kopa Loan Kenya Limited | – | P.O. Box 51866 – 00100, Nairobi | +254799 136 761 | legal@m-kopa.com | Riverside Paddocks, M-Kopa House, Nairobi | January 30, 2023 |
| 72 | Mogo Auto Limited | – | P.O. Box 9979-00100 | +254768469112 | info@mogo.co.ke | Pine Tree Plaza, Kaburu Drive- Off Ngong Road, Nairobi | June 27, 2024 |
| 73 | Mkulima Pay Ltd | – | 28385 – 00100 | 0748820255 | mkulimacash@gmail.com | Shell Tegemeo, next to Mountain View Mall, off Waiyaki Way | June 4, 2025 |
| 74 | Modesty Credit Ltd | – | P.O. Box 607 – 60200, Meru, Makutano Highway | +254794673254 | info@modestycredit.co.ke | Meru-Makutano, Union Square, Meru | June 4, 2025 |
| 75 | Momentum Credit Limited | – | P.O. Box 29175-00100, Nairobi | +254709434900 | info@momentumcredit.co.ke & cx@momentumcredit.co.ke | International House, 9th Floor, Mama Ngina Street, Nairobi | October 1, 2024 |
| 76 | Mwanzo Credit Limited | – | P.O. Box 759-00241, Nairobi | +254729670100 | infomwanzocreditltd@gmail.com | Newton House, 3rd Floor, Deliverance Road, Nairobi-Namanga | September 19, 2022 |
| 77 | Moneza Ltd | – | P.O. Box 45669-0000 | +254721779662 | info@moneza.co.ke | Avocado Towers, Muthithi Road, Westlands | June 4, 2025 |
| 78 | Mycredit Limited | – | P.O. Box 21798 – 00100, Nairobi | +254711349805 | info@mycredit.co.ke | ABSA Towers, 11th Floor, Loita Street, Nairobi | January 30, 2023 |
| 79 | MyWagepay Limited | – | P.O. Box 43844-00200, Nairobi | +254709549019 | ceo@mywagepay.com | Thika Road, Room 503C, Astrol Building (Opp Garden City), Nairobi | September 19, 2022 |
| 80 | Natal Tech Limited | – | P.O. Box 2145 Thika | +254703766079 | nataltechltd@gmail.com | Harmony Street, Kenol Sagana Highway | January 30, 2023 |
| 81 | Ngao Credit Limited | – | P.O. Box 60776 – 00200, Nairobi | +254709650000 | info@ngaocredit.com | 4th Floor, Morning Side Office Park, Ngong Rd, Nairobi | January 30, 2023 |
| 82 | Nawiri African Sprouts Ltd | Fast Credit | 34615-00100, Nairobi | +254721177402 | info@nas.co.ke | Karuna Road, Westlands, Western Heights building, 5th Floor | June 4, 2025 |
| 83 | Newark Frontier Limited | – | P.O. Box 34615-00100 | +254 739911020 | info@newarkfrontiers.co.ke | Karen-End, off Dagoretti Road, Dagoretti/ Mutuini/1356 | June 4, 2025 |
| 84 | ODI Credit Limited | – | P.O. Box 16758 – 00620, Nairobi | +254709183808/+254788180355 | info@hazini.com | Kalson Towers, 7th Floor (left wing), Crescent Road, Nairobi | October 1, 2024 |
| 85 | Numida Technologies Limited | – | P.O. Box 22602 -00100 | + 254704454031 | Info@numidatech.com | Floor 2 – The Mvuli Building, Mvuli Road, Westlands, Nairobi, Kenya | June 4, 2025 |
| 86 | Okolea International Limited | – | P.O Box 41316 – 00100, Nairobi | +254742532281 | info@okolea-international.com | 1st Floor, Venus Complex, Office No. 4111, Nairobi | March 27, 2023 |
| 87 | Opal Quick Limited | – | P.O Box 671-60400, Chuka | +254722790234 / +254115990652 | support@opalquick.co.ke | Twin Plaza Building, Opposite Magunas Supermarket, Meru Town | October 1, 2024 |
| 88 | Payablu Credit Limited | – | P.O. Box 610-00518, Nairobi | +254742066421 | payablucreditlimited@gmail.com | 2nd floor, Ntashart plaza formerly Elysee Plaza, Kilimani, Near Adams Arcade, Kilimani Road, off Ngong Road | June 27, 2024 |
| 89 | Pesaglow Capital Limited | – | P.O. Box 73740 – 00200 | +254717522512 | pesaglowcapital@gmail.com | Kitengela, Derrick House, 2nd floor, D1, Nairobi | October 1, 2024 |
| 90 | Pesakuu Credit Limited | – | P.O. Box 30784 – 00100, Nairobi | +254112020926 | iziloan1@gmail.com | The Address, 7th Floor, Westlands, off Waiyaki Way, Muthangari Drive, Nairobi | October 1, 2024 |
| 91 | Pezesha Africa Limited | – | P.O. Box 22986 – 00505, Nairobi | +254755768547 | hello@pezesha.com cc: hilda@pezesha.com | 7th Floor Rainbow Towers, Muthithi Road, Westlands, Nairobi | January 30, 2023 |
| 92 | Phoenix Capital Limited | – | P.O. Box 26801-00100, Nairobi | 0747100102 | admin@phoenixcapital.co.ke | The Arch Place 8th Floor, Nyangumi Road, Nairobi | October 1, 2024 |
| 93 | Pi Capital Limited | – | P.O. Box 54489, City Square, Nairobi | +254759808086 | info@bayes.co.ke | 5th Floor, Mitsumi Business Park, Muthithi Road, Westlands, Nairobi | March 6, 2024 |
| 94 | Premier Credit Limited | – | P.O. Box 21256 – 00100, Nairobi | +254730812000/+254709176 000 | info@premiergroup.co.ke | Nginyo Towers 5th Floor, Koinange Street, Nairobi | October 1, 2024 |
| 95 | Puphik Credit Limited | – | P.O. Box 1238 – 20400, Kericho | +254714262211 | info@puphikcredit.com; puphikcredit@gmail.com | Kosal Plaza, 2nd Floor, Kipchamba Street, Bomet | October 1, 2024 |
| 96 | Progressive Credit Limited | – | P.O. Box 64036-00640 | 0730669811 | info@progressivecr.com | 7th Floor, Flamingo Towers, Mara Road, Nairobi | June 27, 2024 |
| 97 | Radi Credit Limited | – | P.O. Box 51191, GPO, Nairobi | +254114480972 | support@radicredit.com | Plot No. Two Zero Nine, Commodore Offices, Ngong Road, Kindaruma Lane, Nairobi | October 1, 2024 |
| 98 | Rewot Ciro Limited | – | P.O. Box 15073 – 00400, Tom Mboya Street, Nairobi | +254715464554 | info@rewotciro.co.ke / rewotafrica@gmail.com | Keekorok Building, Keekorok Road, Nairobi | September 19, 2022 |
| 99 | Risine Credit Limited | – | P.O. Box 25347 – 00603, GPO, Nairobi | +254793362676 | risinecredit@gmail.com | Ikigai office Ninety JGO, James Gichuru Road, |
