The Central Bank of Kenya (CBK) has announced the licensing of 42 additional Digital Credit Providers (DCPs) on December 30, 2025.
Since March 2022, the CBK has processed a staggering 800 applications. The rigorous vetting process focuses on four critical pillars:
- Business Models: Ensuring sustainable and transparent operations.
- Consumer Protection: Safeguarding borrowers from exploitative terms.
- Fitness and Propriety: Reviewing the backgrounds of shareholders, directors, and management.
- Legal Adherence: Ensuring all operations align with Kenyan financial laws.
The scale of this sector is immense. As of November 2025, licensed DCPs had already issued 6.6 million loans, injecting a total of Ksh. 109.8 billion into the economy. These loans cover a wide range of needs, from education and business development to asset financing and short-term personal credit, often accessed via mobile apps or USSD codes.
The newest batch of 42 providers includes a diverse range of companies operating across the country. Notable newly licensed firms include:
- Acquire Credit Limited (Nairobi)
- Adjacent Possible Finance Limited (Roysambu)
- Aleza Limited (Kisumu)
- ASA International Kenya Limited (Nairobi)
- Auxiliary Credit Ltd (Riverside)
- BCF Kenya Limited (Parklands)
- Bingwa Micro Capital Limited (Thika)
- Edenbridge Capital Ltd (Kimathi Street)
- Real People Kenya Limited (Muthangari)
- Stride Credit Limited (Meru)
As at now, there are now 195 digital loan companies licensed in Kenya by CBK and here is the list below:
Central Bank of Kenya: Directory of Licensed Digital Credit Providers
| # | Company Name | Trading Name / Brand | Date Licensed |
| 1 | Abito Limited | – | Sep 2, 2025 |
| 2 | Absolute Credit Kenya Ltd | – | Jun 5, 2025 |
| 3 | Acquire Credit Limited | – | Dec 24, 2025 |
| 4 | Adjacent Possible Finance Limited | – | Dec 24, 2025 |
| 5 | Adroit Credit Limited | – | Jun 5, 2025 |
| 6 | Ajax Credit Kenya Limited | – | Sep 2, 2025 |
| 7 | Aleza Limited | – | Dec 24, 2025 |
| 8 | Ambush Capital Limited | FlashPesa | Oct 1, 2024 |
| 9 | Anjoy Credit Limited | – | Mar 27, 2023 |
| 10 | ASA International Kenya Limited | – | Dec 24, 2025 |
| 11 | Asante FS East Africa Limited | – | Mar 27, 2023 |
| 12 | Asap Credit Limited | – | Jun 5, 2025 |
| 13 | Aspire Lending Ltd | – | Sep 2, 2025 |
| 14 | Autochek Limited | – | Mar 6, 2024 |
| 15 | Auxiliary Credit Ltd | – | Dec 24, 2025 |
| 16 | Avenews Ke Ltd | – | Jun 5, 2025 |
| 17 | Aventus Technology Limited | Lendplus | Jun 5, 2025 |
| 18 | AVL Capital Ltd | – | Jun 5, 2025 |
| 19 | Azura Credit Limited | – | Mar 6, 2024 |
| 20 | BCF Kenya Limited | – | Dec 24, 2025 |
| 21 | Bidii Credit Limited | – | Dec 24, 2025 |
| 22 | Bimas Kenya Limited | – | Jun 5, 2025 |
| 23 | Bingwa Micro Capital Limited | – | Dec 24, 2025 |
| 24 | Blesmark Credit Limited | – | Dec 24, 2025 |
| 25 | Boostline Capital Limited | – | Dec 24, 2025 |
| 26 | Bossrich Credit Limited | – | Sep 2, 2025 |
| 27 | BRAC Kenya Company Limited | – | Jun 5, 2025 |
| 28 | Brisk Credit Limited | – | Sep 2, 2025 |
| 29 | Bytech Credit Limited | – | Oct 1, 2024 |
| 30 | Cashmart Capital Limited | – | Dec 24, 2025 |
| 31 | Ceres Tech Limited | – | Sep 19, 2022 |
| 32 | Chapeo Capital Limited | – | Mar 6, 2024 |
| 33 | Chelete Credit Limited | – | Oct 1, 2024 |
| 34 | Chime Capital Limited | – | Mar 6, 2024 |
| 35 | Colkos Enterprises Limited | – | Mar 27, 2023 |
| 36 | Creditarea Capital Limited | Kashbean | Mar 6, 2024 |
| 37 | Decimal Capital Limited | – | Mar 6, 2024 |
| 38 | Dexintec Kenya Limited | – | Mar 6, 2024 |
| 39 | Dime Credit Limited | – | Oct 1, 2024 |
| 40 | Dotcash Credit Limited | – | Dec 24, 2025 |
| 41 | East Africa Futures Company Limited | – | Jun 5, 2025 |
| 42 | Easy Asset Management Limited | iLoan | Sep 2, 2025 |
| 43 | Easyways Credit Limited | – | Sep 2, 2025 |
| 44 | ED Partners Africa Limited | – | Jun 27, 2024 |
| 45 | Edenbridge Capital Ltd. | – | Dec 24, 2025 |
| 46 | EDOMX Limited | – | Mar 27, 2023 |
| 47 | Elevate Credit Limited | – | Sep 2, 2025 |
| 48 | Ellegant Credit Limited | – | Oct 1, 2024 |
| 49 | Extend Money Services Limited | – | Mar 27, 2023 |
| 50 | Fabilo Credit Ltd | – | Jun 5, 2025 |
| 51 | Factorhouse Limited | – | Mar 6, 2024 |
| 52 | Fahari Point Capital Limited | – | Oct 1, 2024 |
| 53 | Fantom Capital Limited | – | Jun 5, 2025 |
| 54 | Fezotech Kenya Limited | – | Mar 6, 2024 |
| 55 | Finberry Capital Ltd | Berry | Jun 5, 2025 |
| 56 | Finboom Credit Kenya Limited | – | Jun 5, 2025 |
| 57 | Fincorp Credit Limited | – | Oct 1, 2024 |
| 58 | Fincredit Limited | – | Dec 24, 2025 |
| 59 | Finseil Limited | – | Sep 2, 2025 |
| 60 | Fortune Credit Limited | – | Mar 6, 2024 |
| 61 | Fourth Generation Capital Limited | 4G Capital | Mar 27, 2023 |
| 62 | Frictionless Enterprises Limited | M-Power | Jun 5, 2025 |
| 63 | Futureinno Digital Tech Limited | – | Sep 2, 2025 |
| 64 | Geoland Credit Limited | – | Dec 24, 2025 |
| 65 | Getcash Capital Limited | – | Sep 19, 2022 |
| 66 | Giando Africa Limited | Flash Credit Africa | Sep 19, 2022 |
| 67 | Girls First Kenya Limited | – | Jun 5, 2025 |
| 68 | Granary Capital Limited | – | Jun 5, 2025 |
| 69 | Guava Capital Limited | – | Dec 24, 2025 |
| 70 | Hanis Capital Limited | – | Sep 2, 2025 |
| 71 | Hela Capital Limited | – | Oct 1, 2024 |
| 72 | Helium Credit Limited | – | Jun 5, 2025 |
| 73 | Inspire Credit Limited | – | Oct 1, 2024 |
| 74 | Inventure Mobile Limited | Tala | Jan 30, 2023 |
| 75 | Ismuk Credit Limited | – | Jun 27, 2024 |
| 76 | Jackfruit Associates Limited | – | Dec 24, 2025 |
| 77 | Jafari Credit Limited | – | Dec 24, 2025 |
| 78 | Jambofin Credit Limited | – | Dec 24, 2025 |
| 79 | Jijenge Credit Limited | – | Sep 19, 2022 |
| 80 | Juhudi Kilimo Company Limited | – | Dec 24, 2025 |
| 81 | Jumo Kenya Limited | – | Jan 30, 2023 |
| 82 | Keep Vision and Growth Credit Ltd | KVG Credit | Dec 24, 2025 |
| 83 | Kifedha Ltd | – | Jun 5, 2025 |
| 84 | Kikwetu Credit Ltd | – | Jun 5, 2025 |
| 85 | Kweli Smart Solutions Limited | – | Sep 19, 2022 |
| 86 | Lasiri Capital Limited | – | Sep 2, 2025 |
| 87 | Leaf Credit Limited | – | Sep 2, 2025 |
| 88 | Leja Ltd | – | Jun 5, 2025 |
| 89 | Lenana Innovative Solutions Limited | – | Oct 1, 2024 |
| 90 | Letshego Kenya Ltd | – | Jan 30, 2023 |
| 91 | Liberty Afrika Technologies Ltd | – | Dec 24, 2025 |
| 92 | Lipa Later Limited | – | Mar 6, 2024 |
| 93 | Little Limited | SpotIt | Sep 2, 2025 |
| 94 | Little Pesa Limited | – | Mar 27, 2023 |
| 95 | Loan Plus Digital Credit Provider Ltd | – | Jun 5, 2025 |
| 96 | Lobelitec Credit Limited | – | Mar 6, 2024 |
| 97 | LockBx Limited | – | Oct 1, 2024 |
| 98 | Longitude Capital Limited | – | Jun 5, 2025 |
| 99 | Lucason Capital Limited | – | Dec 24, 2025 |
| 100 | Maison Capital Limited | – | Dec 24, 2025 |
| 101 | Malicash Investment Limited | – | Dec 24, 2025 |
| 102 | Maralal Ledger Limited | – | Mar 6, 2024 |
| 103 | Marble Capital Solutions Limited | – | Mar 6, 2024 |
| 104 | Maxxton Enterprises Ltd | – | Jun 5, 2025 |
| 105 | Mayflower Capital limited | – | Sep 2, 2025 |
| 106 | MCF 2 Kenya Limited | Medical Credit Fund | Oct 1, 2024 |
| 107 | Mednow Capital Limited | – | Sep 2, 2025 |
| 108 | MFS Technologies Limited | – | Jan 30, 2023 |
| 109 | Milhan Access Capital Limited | – | Jun 5, 2025 |
| 110 | Mimi Credit Limited | – | Dec 24, 2025 |
| 111 | Mint Credit Limited | – | Jun 27, 2024 |
| 112 | MKash Solutions Limited | – | Dec 24, 2025 |
| 113 | MKM Capital Limited | – | Mar 6, 2024 |
| 114 | M-Kopa Loan Kenya Limited | M-Kopa | Jan 30, 2023 |
| 115 | Mkulimapay Credit Ltd | – | Jun 5, 2025 |
| 116 | Modesty Credit Ltd | – | Jun 5, 2025 |
| 117 | Mogo Auto Limited | Mogo | Jun 27, 2024 |
| 118 | Momentum Credit Limited | – | Oct 1, 2024 |
| 119 | Moneza Ltd | – | Jun 5, 2025 |
| 120 | Moto Hope Capital Limited | – | Sep 2, 2025 |
| 121 | Mular Credit Limited | – | Sep 2, 2025 |
| 122 | Musoni Capital Limited | – | Sep 2, 2025 |
| 123 | Mwananchi Credit Ltd | – | Sep 2, 2025 |
| 124 | Mwanzo Credit Limited | – | Sep 19, 2022 |
| 125 | Mycredit Limited | – | Jan 30, 2023 |
| 126 | MyWagepay Limited | – | Sep 19, 2022 |
| 127 | Natal Tech Limited | – | Jan 30, 2023 |
| 128 | Nawiri African Sprouts Ltd | Fast Credit | Jun 5, 2025 |
| 129 | Newark Frontiers Limited | – | Jun 5, 2025 |
| 130 | Ngao Credit Limited | – | Jan 30, 2023 |
| 131 | Numida Technologies Kenya Limited | – | Jun 5, 2025 |
| 132 | ODI Credit Limited | – | Oct 1, 2024 |
| 133 | Okolea International Limited | – | Mar 27, 2023 |
| 134 | Onwards Swift Company Limited | – | Dec 24, 2025 |
| 135 | Opal Quick Limited | – | Oct 1, 2024 |
| 136 | Otas Credit Limited | – | Sep 2, 2025 |
| 137 | Pato Capital Limited | – | Dec 24, 2025 |
| 138 | Payablu Credit Limited | – | Jun 27, 2024 |
| 139 | Pembeni Cash Ltd | – | Sep 2, 2025 |
| 140 | Pesaglow Capital Limited | – | Oct 1, 2024 |
| 141 | Pesakuu Credit Limited | iZiLoan | Oct 1, 2024 |
| 142 | Peshee Capital Limited | – | Dec 24, 2025 |
| 143 | Pezesha Africa Limited | Pezesha | Jan 30, 2023 |
| 144 | Phoenix Capital Limited | – | Oct 1, 2024 |
| 145 | Pi Capital Limited | Bayes | Mar 6, 2024 |
| 146 | Platinum Credit Limited | – | Sep 2, 2025 |
| 147 | Premier Credit Limited | – | Oct 1, 2024 |
| 148 | Progressive Credit Limited | – | Jun 27, 2024 |
| 149 | Puphik Credit Limited | – | Oct 1, 2024 |
| 150 | Radi Credit Limited | – | Oct 1, 2024 |
| 151 | Real People Kenya Limited | – | Dec 24, 2025 |
| 152 | Reazilla DCP Limited | – | Sep 2, 2025 |
| 153 | Rewot Ciro Limited | – | Sep 19, 2022 |
| 154 | Risine Credit Limited | – | Mar 27, 2023 |
| 155 | Rosatap Credit Limited | – | Dec 24, 2025 |
| 156 | Seanala Credit Limited | – | Dec 24, 2025 |
| 157 | Select Management Services Limited | – | Dec 24, 2025 |
| 158 | Senti Capital Limited | Senti | Mar 6, 2024 |
| 159 | Sevi Innovation Limited | Sevi | Sep 19, 2022 |
| 160 | Simbageld Ltd | – | Jun 5, 2025 |
| 161 | Simplepay Capital Limited | – | Oct 1, 2024 |
| 162 | Sipranda Capital Ltd | – | Jun 5, 2025 |
| 163 | Siti Mobility Technologies Limited | – | Oct 1, 2024 |
| 164 | Snowflex Capital Limited | – | Dec 24, 2025 |
| 165 | Sokohela Limited | – | Sep 19, 2022 |
| 166 | Spectrum Credit Ltd | Swift Capital | Jun 5, 2025 |
| 167 | Spread Capital Ltd | – | Jun 5, 2025 |
| 168 | Steadfast Credit Ltd | – | Jun 5, 2025 |
| 169 | Stride Credit Limited | – | Jun 27, 2024 |
| 170 | Suffice Ltd | – | Sep 2, 2025 |
| 171 | Sure Cred Capital Limited | – | Oct 1, 2024 |
| 172 | Tanir Credit & Accounting Services Ltd | – | Oct 1, 2024 |
| 173 | Tazu Credit Limited | – | Dec 24, 2025 |
| 174 | Tenakata Enterprises Limited | – | Jan 30, 2023 |
| 175 | Tentacorp Holdings Limited | – | Jun 5, 2025 |
| 176 | Tinycost Credit Kenya Limited | – | Jun 5, 2025 |
| 177 | Tip-Point Capital Limited | – | Oct 1, 2024 |
| 178 | Transsnet Credit Limited | – | Dec 24, 2025 |
| 179 | Treasure Store Limited | – | Oct 1, 2024 |
| 180 | TrustGro SCA Limited | – | Dec 24, 2025 |
| 181 | UbaPesa Limited | – | Mar 6, 2024 |
| 182 | Umoja Fanisi Limited | – | Jan 30, 2023 |
| 183 | Unidirect Ltd | – | Sep 2, 2025 |
| 184 | Unifi Credit Limited | – | Jun 5, 2025 |
| 185 | Vision Edge Credit Partners Limited | Fast Growth | Dec 24, 2025 |
| 186 | Wabema Credit Ltd | – | Jun 5, 2025 |
| 187 | Wakanda Credit Limited | – | Dec 24, 2025 |
| 188 | Watu Credit Ltd | Watu | Jun 5, 2025 |
| 189 | Westlip Credit Limited | – | Dec 24, 2025 |
| 190 | Zaidi Pato Limited | – | Sep 2, 2025 |
| 191 | Zamaradi Capital & Credit Group Ltd | – | Jun 5, 2025 |
| 192 | Zanifu Limited | Zanifu | Jan 30, 2023 |
| 193 | Zenka Digital Limited | Zenka | Mar 27, 2023 |
| 194 | Ziki Credit Limited | – | Dec 24, 2025 |
| 195 | Zillions Credit Limited | Zash Loan | Mar 6, 2024 |
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