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. | Provider | Postal Address | Telephone | Physical Address | |
|---|---|---|---|---|---|
| 1 | Ambush Capital Limited trading under FlashPesa | P.O. Box 52800, Nairobi | 254769159474 | [email protected] | Unit 1302, 13th Floor, Applewood Adams, Ngong Road, Nairobi |
| 2 | Anjoy Credit Limited | P.O. Box 40583 – 00100, Nairobi | 254769984360 | [email protected] | Transnational House 1st Floor, Mama Ngina Street, Nairobi |
| 3 | Asante FS East Africa Limited | P.O. Box 13796 – 00800, Nairobi | 254111017500 | [email protected] | Delta Corner Towers, 3rd Floor, Waiyaki Way, Westlands, Nairobi |
| 4 | Autochek Limited | P.O. Box 66249-00800, Nairobi | 254111034300 | [email protected] | West Park Towers, 4th Floor, Suite 407, Mpesi Lane, off Muthithi Road, Nairobi |
| 5 | Azura Credit Limited | P.O. Box 30834 – 00100, Nairobi | 254705903265 | [email protected] | Top Plaza, Kilimani Street, Kindaruma Lane, Westlands, Nairobi |
| 6 | Bytech Credit Limited | P.O. Box 3250 – 00200, Nairobi | 254781646440 | [email protected] | Suite B7, 42 Chania Avenue, Kilimani, Nairobi |
| 7 | Ceres Tech Limited | P.O. Box 50047 – 00100, GPO, Nairobi | 254702038679 | [email protected] | Victoria Court, Abacus Lane, Ruaraka, Nairobi |
| 8 | Chapeo Capital Limited | P.O. Box 14363 – 00800, Nairobi | 0.99994896814371 | [email protected] | 33 Spring Valley Road, Nairobi |
| 9 | Chime Capital Limited | P.O. Box 7255 Eastleigh, Nairobi | 254720990601 | [email protected] | Agip House, Harambee Avenue, Nairobi |
| 10 | Colkos Enterprises Limited | P.O. Box 22813 – 00505, Ngong Road, Nairobi | 0.99992590163565 | [email protected] | Amani Court, Near Adams Arcade, Nairobi |
| 11 | Creditarea Capital Limited | P.O. Box 7640-00600, Nairobi | 254709462700 | [email protected] | Baba Dogo, Business Park, Eastlands, Off Outering Road, Spect Godown No.3, Nairobi |
| 12 | Decimal Capital Limited | P.O. Box 5077-00100, Nairobi | 254721858774 | [email protected] | Nachu Plaza, 9th Floor, Kiambere Road, Upperhill, Nairobi |
| 13 | Dexintec Kenya Limited | P. O. Box. 103818 – 00100, Nairobi | 254727620547 | [email protected] | Cardinal Otunga Plaza, Koinange Road, Starehe District, Nairobi |
| 14 | Dime Credit Limited | P.O. Box 8628-00100, Nairobi | 254722217215 | [email protected] | Two Rivers Mall, 2nd Floor, South Tower, Limuru Road, Nairobi |
| 15 | Dreamlife Technology Limited | P.O. Box 29980 – 00100, Nairobi | 254115263074 | [email protected] | Tetezi Towers, Ground Floor, off Ngong Road, George Padmore Road, Nairobi |
| 16 | ED Partners Africa Limited | P. O. Box. 1063 – 00100, Nairobi | 254722462044 | [email protected] | Haven Court, Parkfield Place, Waiyaki Way, Nairobi |
| 17 | EDOMX Limited | P.O. Box 797-00606, Nairobi | 254701220220 | [email protected] | The Address, 16th Floor, Muthangari Drive, Westlands, Nairobi |
| 18 | Ellegant Credit Limited | P.O. Box 57639-00200, Nairobi | 254746851679 | [email protected] | Lonak Business Centre, 1st Floor, Suite B11, Kasarani, Nairobi |
| 19 | Extend Money Services Limited | P.O. Box 21735 – 00100, Nairobi | !ERROR! D20 -> internal error | [email protected] | 4th Floor, Suite 6G, Vision Plaza, Mombasa Road, Nairobi |
| 20 | Factorhouse Limited | P. O. Box 70- 00618, Nairobi | 254726770992 | [email protected] | 5th Floor, Liberty Plaza, Mombasa Road, Nairobi |
| 21 | Fahari Point Capital Limited | P.O. Box 100707-00101, Nairobi | 1.0000440704518 | [email protected], [email protected] | Kalson Towers 7th Floor, Parklands, Nairobi |
| 22 | Fezotech Kenya Limited | P. O. Box 21188 00100 – GPO, Nairobi | 254111753435 | [email protected] /[email protected] | The Arch Place Building, Kilimani Road, Westlands District, Nairobi |
| 23 | Fincorp Credit Limited | P.O. Box 12626-00400, Nairobi | 254706355355 | [email protected] | Ecobank Towers, 11th Floor, Muindi Mbingu Street, Nairobi |
| 24 | Fortune Credit Limited | P.O. Box 4237-00506, Nairobi | 254722982474 | [email protected] | Enwealth Business Centre, Ngong Lane, Nairobi |
| 25 | Fourth Generation Capital Limited | P.O. Box 287-00502, Karen, Nairobi | 254113862239 | [email protected] / [email protected] | Africa Reit Lane, Africa Reit House, Nairobi |
| 26 | Getcash Capital Limited | P.O. Box 15682 – 00503, Mbagathi, Nairobi | 254736276000 | [email protected] | Devcon House, 2nd Floor, Lunga Lunga, Nairobi |
| 27 | Giando Africa Limited (Trading as Flash Credit Africa) | P.O. Box 0706934558 – 00100 Sarit Centre | 254713948254 | [email protected] | Krishna Center, Woodvale Groove, Nairobi |
| 28 | Hela Capital Limited | P.O. Box 19619-00100, Nairobi | !ERROR! D29 -> internal error | [email protected] | Thindigua, Kiambu Road, Feruzi Towers, 4th Floor, Wing A, Kiambu. |
| 29 | Inventure Mobile Limited (Trading as Tala) | P.O. Box 35523 – 00100, Nairobi | 0800720597 (toll free) | [email protected] | The Oval, 6th Floor, Wing A, Ring Road, Westlands, Nairobi |
| 30 | Inspire Credit Limited | P.O. Box 10499 – 00400, Nairobi | 1.0000409964884 | [email protected] | Muthaiga Square, Thika Superhighway, Nairobi |
| 31 | Ismuk Credit Limited | P.O. Box 60973 – 00200, Nairobi | 254768654598 | [email protected] | Delta House 4th Floor, Room 421, University Way, Nairobi |
| 32 | Jijenge Credit Limited | P.O. Box 9578 – 00200, Nairobi | !ERROR! D33 -> internal error | [email protected] | 6th Floor Suites 604/605, Town House, Kaunda Street, Nairobi |
| 33 | Jumo Kenya Limited | P.O. Box 10643 – 00100, Nairobi | 254787777771 | [email protected] | Ikigai Nairobi, Merchant Square, Riverside Drive, Nairobi |
| 34 | Kweli Smart Solutions Limited | P.O. Box 53431-00200, Nairobi | 254791578693 | [email protected] | 2nd Floor, Eaton Place, UN Crescent Avenue, Nairobi |
| 35 | Lenana Innovative Solutions Limited | P.O. Box 899 – 00618, Nairobi | 254110010394 | [email protected] | Garden Estate, Garden Court Drive, Nairobi |
| 36 | Letshego Kenya Ltd | P.O. Box 52926 – 00200, Nairobi | 254730687000 | [email protected] | 316 Upper Hill Chambers, 7th Floor, 2nd Ngong Avenue, Nairobi |
| 37 | Lipa Later Limited | P.O. Box 43537 – 00100, Nairobi | 254709684000 | [email protected] | Lipa Later HQ, Lavington, next to Mawara Gardens, Off Olenguruone Avenue, Nairobi |
| 38 | Little Pesa Limited | P.O. Box 39886 – 00623, Nairobi | 3.9260259736203E-12 | [email protected] | Reliable Towers, Mogotio Road, Westlands, Nairobi |
| 39 | Lobelitec Credit Limited | P. O. Box 51191 00100, Nairobi | 254740006073 | [email protected] | 5th Floor, Galana Plaza, Galana Rd, Nairobi |
| 40 | LockBx Limited | P.O. Box 25350-00603, Nairobi | 254726210997 | [email protected] | Sifa Towers, 6th Floor, 6A, Nairobi |
| 41 | Maralal Ledger Limited | P.O. Box 104949-00101 | 254724055813 | [email protected] | Feruzi Towers, Fourth Floor, Wing B, Kiambu Road |
| 42 | Marble Capital Solutions Limited | P.O. Box 818 – 00511, Ongata Rongai | 254729141295 | [email protected] | 2nd Floor, Maasai Mall, Ongata Rongai |
| 43 | MCF 2 Kenya Limited | P.O. Box 6711 GPO, Nairobi | 254707136044 | [email protected] | 52 EL Molo Drive Lavington, Off Naushad Merali Drive, Nairobi |
| 44 | Mint Credit Limited | P.O Box 2417-00606, Sarit Centre | 254799555333 | [email protected] | Trance Towers 7th floor, South B, Tsavo Road, Nairobi |
| 45 | MFS Technologies Limited | P.O. Box 43250-00100, Nairobi | 254709184000 | [email protected] | Capital West, 5th Floor, Lantana Road (Off Rhapta Road), Nairobi |
| 46 | MKM Capital Limited | P.O Box 22715-00505, Nairobi | 254707039513 | [email protected] | Western Heights, 4th Floor, Suite 10, Nairobi |
| 47 | M-Kopa Loan Kenya Limited | P.O. Box 51866 – 00100, Nairobi | 254707333222 | [email protected] | Riverside Paddocks, M-Kopa House, Nairobi |
| 48 | Mogo Auto Limited | P.O. Box 9979-00100 | 254768469112 | [email protected] | Pine Tree Plaza, Kaburu Drive- Off Ngong Road, Nairobi |
| 49 | Momentum Credit Limited | P.O. Box 29175-00100, Nairobi | 254709434900 | [email protected] & [email protected] | International House, 9th Floor, Mama Ngina Street, Nairobi |
| 50 | Mwanzo Credit Limited | P.O. Box 33 – 00100, Nairobi | 254729670100 | [email protected] | Newton House, 3rd Floor, Deliverance Road, Nairobi-Namanga. |
| 51 | Mycredit Limited | P.O. Box 21798 – 00100, Nairobi | 254711349805 | [email protected] | ABSA Towers, 11th Floor, Loita Street, Nairobi |
| 52 | MyWagepay Limited | P.O. Box 43844-00200, Nairobi | 254727062060 | [email protected]; | Thika Road, Room 503C, Astrol Building (Opp Garden City), Nairobi |
| 53 | Natal Tech Limited | P.O. Box 306 – 00241, Kitengela | !ERROR! D54 -> internal error | [email protected] | Jarju House, Namanga Road, Kitengela |
| 54 | Ngao Credit Limited | P.O. Box 60776 – 00200, Nairobi | 254709650000 | [email protected] | 4th Floor, Morning Side Office Park, Ngong Rd, Nairobi |
| 55 | ODI Credit Limited | P.O. Box 16758 – 00620, Nairobi | 0.99968995207356 | [email protected] | Kalson Towers, 7th Floor (left wing), Crescent Road, Nairobi |
| 56 | Okolea International Limited | P.O Box 1316 – 00100, Nairobi | 254742532281 | [email protected] | 1st Floor, Venus Complex, Office No. 4111, Nairobi |
| 57 | Opal Quick Limited | P.O Box 671-60400, Chuka | 1.0023878842903 | [email protected] | Twin Plaza Building, Opposite Magunas Supermarket, Meru Town |
| 58 | Payablu Credit Limited | P.O. Box 610-00518, Nairobi | 254742066421 | [email protected] | 1st Floor, NBK Building, Harambee Avenue |
| 59 | Pesaglow Capital Limited | P.O. Box 73740 – 00200 | 254717522512 | [email protected] | Kitengela, Derrick House, 2nd floor, D1, Nairobi |
| 60 | Pesakuu Credit Limited | P.O. Box 30784 – 00100, Nairobi | 254112020926 | [email protected] | The Address, 7th Floor, Westlands, off Waiyaki Way, Muthangari Drive, Nairobi |
| 61 | Pezesha Africa Limited | P.O. Box 22986 – 00505, Nairobi | 254755768547 | [email protected] | House Number 37, Kayahwe Road, Kilimani, Nairobi |
| 62 | Phoenix Capital Limited | P.O. Box 26801-00100, Nairobi | 254722490824 | [email protected] | The Arch Place 8th Floor, Nyangumi Road, Nairobi |
| 63 | Pi Capital Limited | P.O. Box 54489, City Square, Nairobi | 254759808086 | [email protected] | 5th Floor, Mitsumi Business Park, Muthithi Road, Westlands, Nairobi |
| 64 | Premier Credit Limited | P.O. Box 21256 – 00100, Nairobi | !ERROR! D65 -> internal error | [email protected] | Nginyo Towers 5th Floor, Koinange Street, Nairobi |
| 65 | Puphik Credit Limited | P.O. Box 1238 – 20400, Kericho | 254714262211 | [email protected]; [email protected] | Kosal Plaza, 2nd Floor, Kipchamba Street, Bomet |
| 66 | Progressive Credit Limited | P.O. Box 64036-00620 | 254710810810 | [email protected] | 7th Floor, Flamingo Towers, Mara Road, Nairobi |
| 67 | Radi Credit Limited | P.O. Box 51191, GPO, Nairobi | 254727640811 | [email protected] | Plot No. Two Zero Nine, Commodore Offices, Ngong Road, Kindaruma Lane, Nairobi |
| 68 | Rewot Ciro Limited | P.O. Box 15073 – 00400, Tom Mboya Street, Nairobi | 254715464554 | [email protected] / [email protected] | Keekorok Building, Keekorok Road, Nairobi |
| 69 | Risine Credit Limited | P.O. Box 25347 – 00603, GPO, Nairobi | 254793362676 | [email protected] | Ukigai office Ninety JGO, James Gichuru Road, Nairobi |
| 70 | Senti Capital Limited | P.O. Box 1145-00606, Nairobi | 254111021113 | [email protected] | Stellato Complex, 4th Floor, Muthithi Road, Westlands, Nairobi |
| 71 | Sevi Innovation Limited | P.O. Box 41987 – 00100, Nairobi | 254111560376 | [email protected] | L.R. No. 10119/4, Trio Complex, Room 311, Off Exit 7, Thika Road, Nairobi |
| 72 | Simplepay Capital Limited | P.O. Box 39324 – 00623, Nairobi | 254700467730 | [email protected] | Office 902, 9th floor, Website Tower, Lower Kabete Road, Nairobi |
| 73 | Siti Mobility Technologies Limited | P.O. Box 34850 – 00100, Nairobi | 254720384396 | [email protected] | Keystone Park, 95 Riverside Drive, Westlands, Nairobi |
| 74 | Sokohela Limited | P.O. Box 34-00502, Nairobi | 254728915511 | [email protected] | Rivona House, 2nd Floor, Naivasha Road, Nairobi |
| 75 | Sure Cred Capital Limited | P.O. Box 1466 – 00618 | 254708233824 | [email protected] | Aztec Business Park, Baba Dogo Road, Ruaraka, Nairobi |
| 76 | Stride Credit Limited | P. O. Box. 1604-60200, Meru | 254715982342 | [email protected] | Twin Plaza, Ghana Street, Meru Town |
| 77 | Tanir Credit & Accounting Services Limited | P.O. Box 1255-00232, Ruiru | 254723585651 | [email protected], [email protected] | Kenversity Sacco Plaza, 4th Floor, Suite 4B, Off-Thika Superhighway, Kahawa Sukari Area, Ruiru |
| 78 | Tenakata Enterprises Limited | P.O. Box 21605 – 00505, Nairobi | 254728888863 | [email protected] | 3rd Floor, Utumishi House, Mamlaka Road, Nairobi |
| 79 | Tip-Point Capital Limited | P.O. Box 1050 – 00520, Nairobi | 0.99995693280168 | [email protected] | Sifa Towers, 2nd Floor 2C, Nairobi |
| 80 | Treasure Store Limited | P.O. Box 69983 – 00400, Nairobi | 1.0023999060627 | [email protected] | Nanak House, 2nd Floor, Room 202, Nairobi |
| 81 | UbaPesa Limited | P. O. Box 22745 – 00100, Nairobi | 254709693000 | [email protected] /[email protected] | Golf View Office Suites – Wambui Road, Muthaiga, Nairobi |
| 82 | Umoja Fanisi Limited | P.O. Box 44165 – 00100, Nairobi | 254796250881 | [email protected] | Fanisi House, Mbaazi Road, Off Kingara Road, Lavington, Nairobi |
| 83 | Zanifu Limited | P.O. Box 66877- 00800, Nairobi | 254713023159 | [email protected] | Kenrail Towers, 4th Floor, Mkungu Close, Nairobi |
| 84 | Zenka Digital Limited | P.O. Box 29107, 00100 – Nairobi | [email protected] | Mirage Tower, Tower 2, 12th Floor, Waiyaki Way, Westlands, Nairobi | |
| 85 | Zillions Credit Limited | P.O. Box. 7640-00600, Nairobi | [email protected] | Spectrum Business Park, Baba Dogo, Nairobi |
