Digital Lenders in Kenya
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List of 85 Licensed Digital Lenders in Kenya By CBK as of December 2025

By Joseph Richard - Senior Writer 1 Min Read

The number of Loan Apps in Kenya has been on the rise, and many of them exploit Kenyans majorly on exorbitant interest rates and unethical debt collection tactics. In March 2022, the Central Bank of Kenya started regulating and giving licenses to various digital Credit Providers as provided by the CBK Amendment Bill of 2021

The year 2024 has seen the number of licensed lenders in Kenya rise from 58 reported in June 2024 to 85 as per the latest approvals which happened in September 2024. In addition to this there are still over 730 applications in total that are still in the process of review.

Below is a full Table of all the 85 Licensed Digital Lenders in Kenya as of the update of this article:

No.ProviderPostal AddressTelephoneEmailPhysical Address
1Ambush Capital Limited trading under FlashPesaP.O. Box 52800, Nairobi254769159474support@flashpesa.co.keUnit 1302, 13th Floor, Applewood Adams, Ngong Road, Nairobi
2Anjoy Credit LimitedP.O. Box 40583 – 00100, Nairobi254769984360info@anjoycredit.comTransnational House 1st Floor, Mama Ngina Street, Nairobi
3Asante FS East Africa LimitedP.O. Box 13796 - 00800, Nairobi254111017500info@asantefinancegroup.comDelta Corner Towers, 3rd Floor, Waiyaki Way, Westlands, Nairobi
4Autochek LimitedP.O. Box 66249-00800, Nairobi254111034300autochekkenya@autochek.africaWest Park Towers, 4th Floor, Suite 407, Mpesi Lane, off Muthithi Road, Nairobi
5Azura Credit LimitedP.O. Box 30834 – 00100, Nairobi254705903265azurakenyacredit@gmail.comTop Plaza, Kilimani Street, Kindaruma Lane, Westlands, Nairobi
6Bytech Credit LimitedP.O. Box 3250 - 00200, Nairobi254781646440bytechcreditltd@gmail.comSuite B7, 42 Chania Avenue, Kilimani, Nairobi
7Ceres Tech LimitedP.O. Box 50047 – 00100, GPO, Nairobi254702038679cerestechltdke@gmail.comVictoria Court, Abacus Lane, Ruaraka, Nairobi
8Chapeo Capital LimitedP.O. Box 14363 – 00800, Nairobi0.99994896814371info@chapeo.club33 Spring Valley Road, Nairobi
9Chime Capital LimitedP.O. Box 7255 Eastleigh, Nairobi254720990601accounts@chime.llcAgip House, Harambee Avenue, Nairobi
10Colkos Enterprises LimitedP.O. Box 22813 – 00505, Ngong Road, Nairobi0.99992590163565info@colkos.comAmani Court, Near Adams Arcade, Nairobi
11Creditarea Capital LimitedP.O. Box 7640-00600, Nairobi254709462700help@kashbean.co.keBaba Dogo, Business Park, Eastlands, Off Outering Road, Spect Godown No.3, Nairobi
12Decimal Capital LimitedP.O. Box 5077-00100, Nairobi254721858774decimalcapital@gmail.comNachu Plaza, 9th Floor, Kiambere Road, Upperhill, Nairobi
13Dexintec Kenya LimitedP. O. Box. 103818 – 00100, Nairobi254727620547info@ke.dexintec.comCardinal Otunga Plaza, Koinange Road, Starehe District, Nairobi
14Dime Credit LimitedP.O. Box 8628-00100, Nairobi254722217215dimecredit@gmail.comTwo Rivers Mall, 2nd Floor, South Tower, Limuru Road, Nairobi
15Dreamlife Technology LimitedP.O. Box 29980 - 00100, Nairobi254115263074dreamlifetechnologyltd@gmail.comTetezi Towers, Ground Floor, off Ngong Road, George Padmore Road, Nairobi
16ED Partners Africa LimitedP. O. Box. 1063 - 00100, Nairobi254722462044edpa01893@gmail.comHaven Court, Parkfield Place, Waiyaki Way, Nairobi
17EDOMX LimitedP.O. Box 797-00606, Nairobi254701220220legal@edomx.comThe Address, 16th Floor, Muthangari Drive, Westlands, Nairobi
18Ellegant Credit LimitedP.O. Box 57639-00200, Nairobi254746851679info@ellegantcredit.comLonak Business Centre, 1st Floor, Suite B11, Kasarani, Nairobi
19Extend Money Services LimitedP.O. Box 21735 – 00100, Nairobi!ERROR! D20 -> internal errorinfo@extendmoney.co.ke4th Floor, Suite 6G, Vision Plaza, Mombasa Road, Nairobi
20Factorhouse LimitedP. O. Box 70- 00618, Nairobi254726770992mwangi@factorhouseltd.com5th Floor, Liberty Plaza, Mombasa Road, Nairobi
21Fahari Point Capital LimitedP.O. Box 100707-00101, Nairobi1.0000440704518Faharipointcapital@gmail.com, Info@faharipointcapital.comKalson Towers 7th Floor, Parklands, Nairobi
22Fezotech Kenya LimitedP. O. Box 21188 00100 - GPO, Nairobi254111753435fezotechkenya@gmail.com /fezotechk@gmail.comThe Arch Place Building, Kilimani Road, Westlands District, Nairobi
23Fincorp Credit LimitedP.O. Box 12626-00400, Nairobi254706355355info@fincorpcredit.co.keEcobank Towers, 11th Floor, Muindi Mbingu Street, Nairobi
24Fortune Credit LimitedP.O. Box 4237-00506, Nairobi254722982474info@fortunecredit.co.keEnwealth Business Centre, Ngong Lane, Nairobi
25Fourth Generation Capital LimitedP.O. Box 287-00502, Karen, Nairobi254113862239compliance@4g-capital.com / legal@4g-capital.comAfrica Reit Lane, Africa Reit House, Nairobi
26Getcash Capital LimitedP.O. Box 15682 - 00503, Mbagathi, Nairobi254736276000info@getcashcapital.co.keDevcon House, 2nd Floor, Lunga Lunga, Nairobi
27Giando Africa Limited (Trading as Flash Credit Africa)P.O. Box 0706934558 - 00100 Sarit Centre254713948254hello@flashcreditafrica.comKrishna Center, Woodvale Groove, Nairobi
28Hela Capital LimitedP.O. Box 19619-00100, Nairobi!ERROR! D29 -> internal errormd@helacapitals.comThindigua, Kiambu Road, Feruzi Towers, 4th Floor, Wing A, Kiambu.
29Inventure Mobile Limited (Trading as Tala)P.O. Box 35523 – 00100, Nairobi0800720597 (toll free)hellokenya@talamobile.comThe Oval, 6th Floor, Wing A, Ring Road, Westlands, Nairobi
30Inspire Credit LimitedP.O. Box 10499 – 00400, Nairobi1.0000409964884info@inspirecredit.co.keMuthaiga Square, Thika Superhighway, Nairobi
31Ismuk Credit LimitedP.O. Box 60973 – 00200, Nairobi254768654598ismukventures@gmail.comDelta House 4th Floor, Room 421, University Way, Nairobi
32Jijenge Credit LimitedP.O. Box 9578 – 00200, Nairobi!ERROR! D33 -> internal errorpetermacharia@jijengecredit.com6th Floor Suites 604/605, Town House, Kaunda Street, Nairobi
33Jumo Kenya LimitedP.O. Box 10643 - 00100, Nairobi254787777771contact@jumo.worldIkigai Nairobi, Merchant Square, Riverside Drive, Nairobi
34Kweli Smart Solutions LimitedP.O. Box 53431-00200, Nairobi254791578693sema@ksmart.tech2nd Floor, Eaton Place, UN Crescent Avenue, Nairobi
35Lenana Innovative Solutions LimitedP.O. Box 899 - 00618, Nairobi254110010394info@lenana.comGarden Estate, Garden Court Drive, Nairobi
36Letshego Kenya LtdP.O. Box 52926 – 00200, Nairobi254730687000kenya@letshego.com316 Upper Hill Chambers, 7th Floor, 2nd Ngong Avenue, Nairobi
37Lipa Later LimitedP.O. Box 43537 – 00100, Nairobi254709684000info@lipalater.comLipa Later HQ, Lavington, next to Mawara Gardens, Off Olenguruone Avenue, Nairobi
38Little Pesa LimitedP.O. Box 39886 – 00623, Nairobi3.9260259736203E-12Info@littlepesa.comReliable Towers, Mogotio Road, Westlands, Nairobi
39Lobelitec Credit LimitedP. O. Box 51191 00100, Nairobi254740006073lobeliteccredit@gmail.com5th Floor, Galana Plaza, Galana Rd, Nairobi
40LockBx LimitedP.O. Box 25350-00603, Nairobi254726210997info@lockbx.co.keSifa Towers, 6th Floor, 6A, Nairobi
41Maralal Ledger LimitedP.O. Box 104949-00101254724055813info@maralalledger.comFeruzi Towers, Fourth Floor, Wing B, Kiambu Road
42Marble Capital Solutions LimitedP.O. Box 818 – 00511, Ongata Rongai254729141295marblecapitalsolutions@gmail.com2nd Floor, Maasai Mall, Ongata Rongai
43MCF 2 Kenya LimitedP.O. Box 6711 GPO, Nairobi254707136044info@medicalcreditfund.org52 EL Molo Drive Lavington, Off Naushad Merali Drive, Nairobi
44Mint Credit LimitedP.O Box 2417-00606, Sarit Centre254799555333info@mintcredit.co.keTrance Towers 7th floor, South B, Tsavo Road, Nairobi
45MFS Technologies LimitedP.O. Box 43250-00100, Nairobi254709184000info@mfs.co.keCapital West, 5th Floor, Lantana Road (Off Rhapta Road), Nairobi
46MKM Capital LimitedP.O Box 22715-00505, Nairobi254707039513info@mkmcapitalglobal.co.keWestern Heights, 4th Floor, Suite 10, Nairobi
47M-Kopa Loan Kenya LimitedP.O. Box 51866 – 00100, Nairobi254707333222legal@m-kopa.comRiverside Paddocks, M-Kopa House, Nairobi
48Mogo Auto LimitedP.O. Box 9979-00100254768469112info@mogo.co.kePine Tree Plaza, Kaburu Drive- Off Ngong Road, Nairobi
49Momentum Credit LimitedP.O. Box 29175-00100, Nairobi254709434900info@momentumcredit.co.ke & cx@momentumcredit.co.keInternational House, 9th Floor, Mama Ngina Street, Nairobi
50Mwanzo Credit LimitedP.O. Box 33 – 00100, Nairobi254729670100infomwanzocreditltd@gmail.comNewton House, 3rd Floor, Deliverance Road, Nairobi-Namanga.
51Mycredit LimitedP.O. Box 21798 – 00100, Nairobi254711349805info@mycredit.co.keABSA Towers, 11th Floor, Loita Street, Nairobi
52MyWagepay LimitedP.O. Box 43844-00200, Nairobi254727062060ceo@mywagepay.com;Thika Road, Room 503C, Astrol Building (Opp Garden City), Nairobi
53Natal Tech LimitedP.O. Box 306 – 00241, Kitengela!ERROR! D54 -> internal errornataltech2022@gmail.comJarju House, Namanga Road, Kitengela
54Ngao Credit LimitedP.O. Box 60776 – 00200, Nairobi254709650000info@ngaocredit.com4th Floor, Morning Side Office Park, Ngong Rd, Nairobi
55ODI Credit LimitedP.O. Box 16758 – 00620, Nairobi0.99968995207356info@hazini.comKalson Towers, 7th Floor (left wing), Crescent Road, Nairobi
56Okolea International LimitedP.O Box 1316 - 00100, Nairobi254742532281info@okolea-international.com1st Floor, Venus Complex, Office No. 4111, Nairobi
57Opal Quick LimitedP.O Box 671-60400, Chuka1.0023878842903support@opalquick.co.keTwin Plaza Building, Opposite Magunas Supermarket, Meru Town
58Payablu Credit LimitedP.O. Box 610-00518, Nairobi254742066421payablucreditlimited@gmail.com1st Floor, NBK Building, Harambee Avenue
59Pesaglow Capital LimitedP.O. Box 73740 - 00200254717522512pesaglowcapital@gmail.comKitengela, Derrick House, 2nd floor, D1, Nairobi
60Pesakuu Credit LimitedP.O. Box 30784 – 00100, Nairobi254112020926iziloan1@gmail.comThe Address, 7th Floor, Westlands, off Waiyaki Way, Muthangari Drive, Nairobi
61Pezesha Africa LimitedP.O. Box 22986 – 00505, Nairobi254755768547hello@pezesha.comHouse Number 37, Kayahwe Road, Kilimani, Nairobi
62Phoenix Capital LimitedP.O. Box 26801-00100, Nairobi254722490824Kentes2000@yahoo.comThe Arch Place 8th Floor, Nyangumi Road, Nairobi
63Pi Capital LimitedP.O. Box 54489, City Square, Nairobi254759808086info@bayes.co.ke5th Floor, Mitsumi Business Park, Muthithi Road, Westlands, Nairobi
64Premier Credit LimitedP.O. Box 21256 - 00100, Nairobi!ERROR! D65 -> internal errorinfo@premiergroup.co.keNginyo Towers 5th Floor, Koinange Street, Nairobi
65Puphik Credit LimitedP.O. Box 1238 – 20400, Kericho254714262211info@puphikcredit.com; puphikcredit@gmail.comKosal Plaza, 2nd Floor, Kipchamba Street, Bomet
66Progressive Credit LimitedP.O. Box 64036-00620254710810810info@progressivecr.com7th Floor, Flamingo Towers, Mara Road, Nairobi
67Radi Credit LimitedP.O. Box 51191, GPO, Nairobi254727640811creditjawabu@gmail.comPlot No. Two Zero Nine, Commodore Offices, Ngong Road, Kindaruma Lane, Nairobi
68Rewot Ciro LimitedP.O. Box 15073 – 00400, Tom Mboya Street, Nairobi254715464554info@rewotciro.co.ke / rewotafrica@gmail.comKeekorok Building, Keekorok Road, Nairobi
69Risine Credit LimitedP.O. Box 25347 – 00603, GPO, Nairobi254793362676risinecredit@gmail.comUkigai office Ninety JGO, James Gichuru Road, Nairobi
70Senti Capital LimitedP.O. Box 1145-00606, Nairobi254111021113info@senti.co.keStellato Complex, 4th Floor, Muthithi Road, Westlands, Nairobi
71Sevi Innovation LimitedP.O. Box 41987 – 00100, Nairobi254111560376partner@sevi.ioL.R. No. 10119/4, Trio Complex, Room 311, Off Exit 7, Thika Road, Nairobi
72Simplepay Capital LimitedP.O. Box 39324 – 00623, Nairobi254700467730info@simplepay.capitalOffice 902, 9th floor, Website Tower, Lower Kabete Road, Nairobi
73Siti Mobility Technologies LimitedP.O. Box 34850 – 00100, Nairobi254720384396info@sitimobility.comKeystone Park, 95 Riverside Drive, Westlands, Nairobi
74Sokohela LimitedP.O. Box 34-00502, Nairobi254728915511business@sokohela.comRivona House, 2nd Floor, Naivasha Road, Nairobi
75Sure Cred Capital LimitedP.O. Box 1466 - 00618254708233824surecredltd@gmail.comAztec Business Park, Baba Dogo Road, Ruaraka, Nairobi
76Stride Credit LimitedP. O. Box. 1604-60200, Meru254715982342stridecreditltd@gmail.comTwin Plaza, Ghana Street, Meru Town
77Tanir Credit & Accounting Services LimitedP.O. Box 1255-00232, Ruiru254723585651tanirltd@gmail.com, info@tanirltd.co.keKenversity Sacco Plaza, 4th Floor, Suite 4B, Off-Thika Superhighway, Kahawa Sukari Area, Ruiru
78Tenakata Enterprises LimitedP.O. Box 21605 – 00505, Nairobi254728888863info@tenakata.com3rd Floor, Utumishi House, Mamlaka Road, Nairobi
79Tip-Point Capital LimitedP.O. Box 1050 – 00520, Nairobi0.99995693280168info@tippointcapital.comSifa Towers, 2nd Floor 2C, Nairobi
80Treasure Store LimitedP.O. Box 69983 – 00400, Nairobi1.0023999060627customercare@sot.co.keNanak House, 2nd Floor, Room 202, Nairobi
81UbaPesa LimitedP. O. Box 22745 – 00100, Nairobi254709693000info@upabesa.com /ubapesa.ke@gmail.comGolf View Office Suites – Wambui Road, Muthaiga, Nairobi
82Umoja Fanisi LimitedP.O. Box 44165 – 00100, Nairobi254796250881info@umojafanisilimited.comFanisi House, Mbaazi Road, Off Kingara Road, Lavington, Nairobi
83Zanifu LimitedP.O. Box 66877- 00800, Nairobi254713023159legal@zanifu.comKenrail Towers, 4th Floor, Mkungu Close, Nairobi
84Zenka Digital LimitedP.O. Box 29107, 00100 - Nairobi!ERROR! D85 -> internal errorinfo@zenka.co.keMirage Tower, Tower 2, 12th Floor, Waiyaki Way, Westlands, Nairobi
85Zillions Credit LimitedP.O. Box. 7640-00600, Nairobi!ERROR! D86 -> internal errorinfo@zashloan.comSpectrum Business Park, Baba Dogo, Nairobi
By Joseph Richard
Senior Writer
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Joseph Richard is a seasoned content writer with over five years of experience, specializing in SEO-driven content, blog writing, and in-depth research. Alongside his expertise in writing, he also works remotely as a software engineer. With a strong academic background holding a degree in Mathematics and Computer Science, he combines technical insight with engaging content creation. Reach out to him easily at hello@mawese.com.
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