Latest List of 85 Licensed Mobile Loan Apps in Kenya

As the digital lending space continues to grow in Kenya, ensuring that you are borrowing from a licensed and regulated provider is crucial. The Central Bank of Kenya (CBK) has taken stringent measures to regulate the digital credit market, ensuring transparency, protecting consumer rights, and enhancing financial stability.

To help Kenyans access trusted digital lenders, the CBK has released a comprehensive list of licensed Digital Credit Providers (DCPs) as of September 30, 2024. This guide features all 85 licensed loan apps, ensuring that you’re in safe hands when seeking credit solutions.

Why Is Licensing Important?

Licensing ensures that loan apps adhere to CBK’s regulations, protecting consumers from exploitative practices such as high-interest rates, hidden charges, and data privacy violations. Licensed providers are obligated to follow ethical lending practices, offer clear terms, and provide customer support.

1. Ambush Capital Limited (FlashPesa)

• Postal Address: P.O. Box 52800, Nairobi
• Phone: +254769159474
• Email: support@flashpesa.co.ke
• Physical Address: Unit 1302, 13th Floor, Applewood Adams, Ngong Road, Nairobi

2. Anjoy Credit Limited

• Postal Address: P.O. Box 40583 – 00100, Nairobi
• Phone: +254769984360
• Email: info@anjoycredit.com
• Physical Address: Transnational House, 1st Floor, Mama Ngina Street, Nairobi

3. Asante FS East Africa Limited

• Postal Address: P.O. Box 13796 – 00800, Nairobi
• Phone: +254111017500
• Email: info@asantefinancegroup.com
• Physical Address: Delta Corner Towers, 3rd Floor, Waiyaki Way, Westlands, Nairobi

4. Autochek Limited

• Postal Address: P.O. Box 66249-00800, Nairobi
• Phone: +254111034300
• Email: autochekkenya@autochek.africa
• Physical Address: West Park Towers, 4th Floor, Suite 407, Mpesi Lane, off Muthithi Road, Nairobi

5. Azura Credit Limited

• Postal Address: P.O. Box 30834 – 00100, Nairobi
• Phone: +254705903265
• Email: azurakenyacredit@gmail.com
• Physical Address: Top Plaza, Kilimani Street, Kindaruma Lane, Westlands, Nairobi

6. Bytech Credit Limited

• Postal Address: P.O. Box 3250 – 00200, Nairobi
• Phone: +254781646440
• Email: bytechcreditltd@gmail.com
• Physical Address: Suite B7, 42 Chania Avenue, Kilimani, Nairobi

7. Ceres Tech Limited

• Postal Address: P.O. Box 50047 – 00100, GPO, Nairobi
• Phone: +254702038679
• Email: cerestechltdke@gmail.com
• Physical Address: Victoria Court, Abacus Lane, Ruaraka, Nairobi

8. Chapeo Capital Limited

• Postal Address: P.O. Box 14363 – 00800, Nairobi
• Phone: +254725235235 / +254738235000
• Email: info@chapeo.club
• Physical Address: 33 Spring Valley Road, Nairobi

9. Chime Capital Limited

• Postal Address: P.O. Box 7255 Eastleigh, Nairobi
• Phone: +254720990601
• Email: accounts@chime.llc
• Physical Address: Agip House, Harambee Avenue, Nairobi

10. Colkos Enterprises Limited

• Postal Address: P.O. Box 22813 – 00505, Ngong Road, Nairobi
• Phone: +254722253228 / +254741129129
• Email: info@colkos.com
• Physical Address: Amani Court, Near Adams Arcade, Nairobi

11. Creditarea Capital Limited

• Postal Address: P.O. Box 7640-00600, Nairobi
• Phone: +254709462700
• Email: help@kashbean.co.ke
• Physical Address: Baba Dogo, Business Park, Eastlands, Off Outering Road, Spect Godown No. 3, Nairobi

12. Decimal Capital Limited

• Postal Address: P.O. Box 5077-00100, Nairobi
• Phone: +254721858774
• Email: decimalcapital@gmail.com
• Physical Address: Nachu Plaza, 9th Floor, Kiambere Road, Upperhill, Nairobi

13. Dexintec Kenya Limited

• Postal Address: P.O. Box 103818 – 00100, Nairobi
• Phone: +254727620547
• Email: info@ke.dexintec.com
• Physical Address: Cardinal Otunga Plaza, Koinange Road, Starehe District, Nairobi

14. Dime Credit Limited

• Postal Address: P.O. Box 8628-00100, Nairobi
• Phone: +254722217215
• Email: dimecredit@gmail.com
• Physical Address: Two Rivers Mall, 2nd Floor, South Tower, Limuru Road, Nairobi

15. Dreamlife Technology Limited

• Postal Address: P.O. Box 29980 – 00100, Nairobi
• Phone: +254115263074
• Email: dreamlifetechnologyltd@gmail.com
• Physical Address: Tetezi Towers, Ground Floor, off Ngong Road, George Padmore Road, Nairobi

16. ED Partners Africa Limited

• Postal Address: P.O. Box 1063 – 00100, Nairobi
• Phone: +254722462044
• Email: edpa01893@gmail.com
• Physical Address: Haven Court, Parkfield Place, Waiyaki Way, Nairobi

17. EDOMX Limited

• Postal Address: P.O. Box 797-00606, Nairobi
• Phone: +254701220220
• Email: legal@edomx.com
• Physical Address: The Address, 16th Floor, Muthangari Drive, Westlands, Nairobi

18. Ellegant Credit Limited

• Postal Address: P.O. Box 57639-00200, Nairobi
• Phone: +254746851679
• Email: info@ellegantcredit.com
• Physical Address: Lonak Business Centre, 1st Floor, Suite B11, Kasarani, Nairobi

19. Extend Money Services Limited

• Postal Address: P.O. Box 21735 – 00100, Nairobi
• Phone: +254709503000
• Email: info@extendmoney.co.ke
• Physical Address: 4th Floor, Suite 6G, Vision Plaza, Mombasa Road, Nairobi

20. Factorhouse Limited

• Postal Address: P.O. Box 70-00618, Nairobi
• Phone: +254726770992
• Email: mwangi@factorhouseltd.com
• Physical Address: 5th Floor, Liberty Plaza, Mombasa Road, Nairobi

21. Fahari Point Capital Limited

• Postal Address: P.O. Box 100707-00101, Nairobi
• Phone: +254721457267 / +254710232072
• Email: Faharipointcapital@gmail.com / info@faharipointcapital.com
• Physical Address: Kalson Towers, 7th Floor, Parklands, Nairobi

22. Fezotech Kenya Limited

• Postal Address: P.O. Box 21188 00100 – GPO, Nairobi
• Phone: +254111753435
• Email: fezotechkenya@gmail.com / fezotechk@gmail.com
• Physical Address: The Arch Place Building, Kilimani Road, Westlands District, Nairobi

23. Fincorp Credit Limited

• Postal Address: P.O. Box 12626-00400, Nairobi
• Phone: +254706355355
• Email: info@fincorpcredit.co.ke
• Physical Address: Ecobank Towers, 11th Floor, Muindi Mbingu Street, Nairobi

24. Fortune Credit Limited

• Postal Address: P.O. Box 4237-00506, Nairobi
• Phone: +254722982474
• Email: info@fortunecredit.co.ke
• Physical Address: Enwealth Business Centre, Ngong Lane, Nairobi

25. Fourth Generation Capital Limited

• Postal Address: P.O. Box 287-00502, Karen, Nairobi
• Phone: +254113862239
• Email: compliance@4g-capital.com / legal@4g-capital.com
• Physical Address: Africa Reit Lane, Africa Reit House, Nairobi

26. Getcash Capital Limited

• Postal Address: P.O. Box 15682 – 00503, Mbagathi, Nairobi
• Phone: +254736276000
• Email: info@getcashcapital.co.ke
• Physical Address: Devcon House, 2nd Floor, Lunga Lunga, Nairobi

27. Giando Africa Limited (Trading as Flash Credit Africa)

• Postal Address: P.O. Box 0706934558 – 00100 Sarit Centre
• Phone: +254713948254
• Email: hello@flashcreditafrica.com
• Physical Address: Krishna Center, Woodvale Groove, Nairobi

28. Hela Capital Limited

• Postal Address: P.O. Box 19619-00100, Nairobi
• Phone: +254 (20) 776 6666
• Email: md@helacapitals.com
• Physical Address: Thindigua, Kiambu Road, Feruzi Towers, 4th Floor, Wing A, Kiambu

29. Inventure Mobile Limited (Trading as Tala)

• Postal Address: P.O. Box 35523 – 00100, Nairobi
• Phone: 0800720597 (toll free)
• Email: hellokenya@talamobile.com
• Physical Address: The Oval, 6th Floor, Wing A, Ring Road, Westlands, Nairobi

30. Inspire Credit Limited

• Postal Address: P.O. Box 10499 – 00400, Nairobi
• Phone: +254758555333 / +254748111555
• Email: info@inspirecredit.co.ke
• Physical Address: Muthaiga Square, Thika Superhighway, Nairobi

31. Ismuk Credit Limited

• Postal Address: P.O. Box 60973 – 00200, Nairobi
• Phone: +254768654598
• Email: ismukventures@gmail.com
• Physical Address: Delta House 4th Floor, Room 421, University Way, Nairobi

32. Jijenge Credit Limited

• Postal Address: P.O. Box 9578 – 00200, Nairobi
• Phone: +254722843770 / +254717282727 / +254711282727
• Email: petermacharia@jijengecredit.com
• Physical Address: 6th Floor Suites 604/605, Town House, Kaunda Street, Nairobi

33. Jumo Kenya Limited

• Postal Address: P.O. Box 10643 – 00100, Nairobi
• Phone: +254787777771
• Email: contact@jumo.world
• Physical Address: Ikigai Nairobi, Merchant Square, Riverside Drive, Nairobi

34. Kweli Smart Solutions Limited

• Postal Address: P.O. Box 53431-00200, Nairobi
• Phone: +254791578693
• Email: sema@ksmart.tech
• Physical Address: 2nd Floor, Eaton Place, UN Crescent Avenue, Nairobi

35. Lenana Innovative Solutions Limited

• Postal Address: P.O. Box 899 – 00618, Nairobi
• Phone: +254110010394
• Email: info@lenana.com
• Physical Address: Garden Estate, Garden Court Drive, Nairobi

36. Letshego Kenya Ltd

• Postal Address: P.O. Box 52926 – 00200, Nairobi
• Phone: +254730687000
• Email: kenya@letshego.com
• Physical Address: 316 Upper Hill Chambers, 7th Floor, 2nd Ngong Avenue, Nairobi

37. Lipa Later Limited

• Postal Address: P.O. Box 43537 – 00100, Nairobi
• Phone: +254709684000
• Email: info@lipalater.com
• Physical Address: Lipa Later HQ, Lavington, next to Mawara Gardens, Off Olenguruone Avenue, Nairobi

38. Little Pesa Limited

• Postal Address: P.O. Box 39886 – 00623, Nairobi
• Phone: +254746510778 / +254710490126 / +254746510781
• Email: Info@littlepesa.com
• Physical Address: Reliable Towers, Mogotio Road, Westlands, Nairobi

39. Lobelitec Credit Limited

• Postal Address: P.O. Box 51191 – 00100, Nairobi
• Phone: +254740006073
• Email: lobeliteccredit@gmail.com
• Physical Address: 5th Floor, Galana Plaza, Galana Rd, Nairobi

40. LockBx Limited

• Postal Address: P.O. Box 25350-00603, Nairobi
• Phone: +254726210997
• Email: info@lockbx.co.ke
• Physical Address: Sifa Towers, 6th Floor, 6A, Nairobi

41. Maralal Ledger Limited

• Postal Address: P.O. Box 104949-00101, Nairobi
• Phone: +254724055813
• Email: info@maralalledger.com
• Physical Address: Feruzi Towers, Fourth Floor, Wing B, Kiambu Road

42. Marble Capital Solutions Limited

• Postal Address: P.O. Box 818 – 00511, Ongata Rongai
• Phone: +254729141295
• Email: marblecapitalsolutions@gmail.com
• Physical Address: 2nd Floor, Maasai Mall, Ongata Rongai

43. MCF 2 Kenya Limited

• Postal Address: P.O. Box 6711 GPO, Nairobi
• Phone: +254707136044
• Email: info@medicalcreditfund.org
• Physical Address: 52 EL Molo Drive Lavington, Off Naushad Merali Drive, Nairobi

44. Mint Credit Limited

• Postal Address: P.O. Box 2417-00606, Sarit Centre
• Phone: +254799555333
• Email: info@mintcredit.co.ke
• Physical Address: Trance Towers, 7th Floor, South B, Tsavo Road, Nairobi

45. MFS Technologies Limited

• Postal Address: P.O. Box 43250-00100, Nairobi
• Phone: +254709184000
• Email: info@mfs.co.ke
• Physical Address: Capital West, 5th Floor, Lantana Road (Off Rhapta Road), Nairobi

46. MKM Capital Limited

• Postal Address: P.O. Box 22715-00505, Nairobi
• Phone: +254707039513
• Email: info@mkmcapitalglobal.co.ke
• Physical Address: Western Heights, 4th Floor, Suite 10, Nairobi

47. M-Kopa Loan Kenya Limited

• Postal Address: P.O. Box 51866 – 00100, Nairobi
• Phone: +254707333222
• Email: legal@m-kopa.com
• Physical Address: Riverside Paddocks, M-Kopa House, Nairobi

48. Mogo Auto Limited

• Postal Address: P.O. Box 9979-00100, Nairobi
• Phone: +254768469112
• Email: info@mogo.co.ke
• Physical Address: Pine Tree Plaza, Kaburu Drive- Off Ngong Road, Nairobi

49. Momentum Credit Limited

• Postal Address: P.O. Box 29175-00100, Nairobi
• Phone: +254709434900
• Email: info@momentumcredit.co.ke / cx@momentumcredit.co.ke
• Physical Address: International House, 9th Floor, Mama Ngina Street, Nairobi

50. Mwanzo Credit Limited

• Postal Address: P.O. Box 33 – 00100, Nairobi
• Phone: +254729670100
• Email: infomwanzocreditltd@gmail.com
• Physical Address: Newton House, 3rd Floor, Deliverance Road, Nairobi-Namanga

51. Mycredit Limited

• Postal Address: P.O. Box 21798 – 00100, Nairobi
• Phone: +254711349805
• Email: info@mycredit.co.ke
• Physical Address: ABSA Towers, 11th Floor, Loita Street, Nairobi

52. MyWagepay Limited

• Postal Address: P.O. Box 43844-00200, Nairobi
• Phone: +254727062060
• Email: ceo@mywagepay.com
• Physical Address: Thika Road, Room 503C, Astrol Building (Opposite Garden City), Nairobi

53. Natal Tech Limited

• Postal Address: P.O. Box 306 – 00241, Kitengela
• Phone: +254722100213 / +254114612792
• Email: nataltech2022@gmail.com
• Physical Address: Jarju House, Namanga Road, Kitengela

54. Ngao Credit Limited

• Postal Address: P.O. Box 60776 – 00200, Nairobi
• Phone: +254709650000
• Email: info@ngaocredit.com
• Physical Address: 4th Floor, Morning Side Office Park, Ngong Road, Nairobi

55. ODI Credit Limited

• Postal Address: P.O. Box 16758 – 00620, Nairobi
• Phone: +254709183808 / +254788180355
• Email: info@hazini.com
• Physical Address: Kalson Towers, 7th Floor (left wing), Crescent Road, Nairobi

56. Okolea International Limited

• Postal Address: P.O. Box 1316 – 00100, Nairobi
• Phone: +254742532281
• Email: info@okolea-international.com
• Physical Address: 1st Floor, Venus Complex, Office No. 4111, Nairobi

57. Opal Quick Limited

• Postal Address: P.O. Box 671-60400, Chuka
• Phone: +254722790234 / +254115990652
• Email: support@opalquick.co.ke
• Physical Address: Twin Plaza Building, Opposite Magunas Supermarket, Meru Town

58. Payablu Credit Limited

• Postal Address: P.O. Box 610-00518, Nairobi
• Phone: +254742066421
• Email: payablucreditlimited@gmail.com
• Physical Address: 1st Floor, NBK Building, Harambee Avenue, Nairobi

59. Pesaglow Capital Limited

• Postal Address: P.O. Box 73740 – 00200, Nairobi
• Phone: +254717522512
• Email: pesaglowcapital@gmail.com
• Physical Address: Kitengela, Derrick House, 2nd Floor, D1, Nairobi

60. Pesakuu Credit Limited

• Postal Address: P.O. Box 30784 – 00100, Nairobi
• Phone: +254112020926
• Email: iziloan1@gmail.com
• Physical Address: The Address, 7th Floor, Westlands, off Waiyaki Way, Muthangari Drive, Nairobi

61. Pezesha Africa Limited

• Postal Address: P.O. Box 22986 – 00505, Nairobi
• Phone: +254755768547
• Email: hello@pezesha.com
• Physical Address: House Number 37, Kayahwe Road, Kilimani, Nairobi

62. Phoenix Capital Limited

• Postal Address: P.O. Box 26801-00100, Nairobi
• Phone: +254722490824
• Email: Kentes2000@yahoo.com
• Physical Address: The Arch Place 8th Floor, Nyangumi Road, Nairobi

63. Pi Capital Limited

• Postal Address: P.O. Box 54489, City Square, Nairobi
• Phone: +254759808086
• Email: info@bayes.co.ke
• Physical Address: 5th Floor, Mitsumi Business Park, Muthithi Road, Westlands, Nairobi

64. Premier Credit Limited

• Postal Address: P.O. Box 21256 – 00100, Nairobi
• Phone: +254730812000 / +254709176000
• Email: info@premiergroup.co.ke
• Physical Address: Nginyo Towers, 5th Floor, Koinange Street, Nairobi

65. Puphik Credit Limited

• Postal Address: P.O. Box 1238 – 20400, Kericho
• Phone: +254714262211
• Email: info@puphikcredit.com / puphikcredit@gmail.com
• Physical Address: Kosal Plaza, 2nd Floor, Kipchamba Street, Bomet

66. Progressive Credit Limited

• Postal Address: P.O. Box 64036-00620, Nairobi
• Phone: +254710810810
• Email: info@progressivecr.com
• Physical Address: 7th Floor, Flamingo Towers, Mara Road, Nairobi

67. Radi Credit Limited

• Postal Address: P.O. Box 51191, GPO, Nairobi
• Phone: +254727640811
• Email: creditjawabu@gmail.com
• Physical Address: Plot No. Two Zero Nine, Commodore Offices, Ngong Road, Kindaruma Lane, Nairobi

68. Rewot Ciro Limited

• Postal Address: P.O. Box 15073 – 00400, Tom Mboya Street, Nairobi
• Phone: +254715464554
• Email: info@rewotciro.co.ke / rewotafrica@gmail.com
• Physical Address: Keekorok Building, Keekorok Road, Nairobi

69. Risine Credit Limited

• Postal Address: P.O. Box 25347 – 00603, GPO, Nairobi
• Phone: +254793362676
• Email: risinecredit@gmail.com
• Physical Address: Ukigai Office Ninety JGO, James Gichuru Road, Nairobi

70. Senti Capital Limited

• Postal Address: P.O. Box 1145-00606, Nairobi
• Phone: +254111021113
• Email: info@senti.co.ke
• Physical Address: Stellato Complex, 4th Floor, Muthithi Road, Westlands, Nairobi

71. Sevi Innovation Limited

• Postal Address: P.O. Box 41987 – 00100, Nairobi
• Phone: +254111560376
• Email: partner@sevi.io
• Physical Address: L.R. No. 10119/4, Trio Complex, Room 311, Off Exit 7, Thika Road, Nairobi

72. Simplepay Capital Limited

• Postal Address: P.O. Box 39324 – 00623, Nairobi
• Phone: +254700467730
• Email: info@simplepay.capital
• Physical Address: Office 902, 9th Floor, Website Tower, Lower Kabete Road, Nairobi

73. Siti Mobility Technologies Limited

• Postal Address: P.O. Box 34850 – 00100, Nairobi
• Phone: +254720384396
• Email: info@sitimobility.com
• Physical Address: Keystone Park, 95 Riverside Drive, Westlands, Nairobi

74. Sokohela Limited

• Postal Address: P.O. Box 34-00502, Nairobi
• Phone: +254728915511
• Email: business@sokohela.com
• Physical Address: Rivona House, 2nd Floor, Naivasha Road, Nairobi

75. Sure Cred Capital Limited

• Postal Address: P.O. Box 1466 – 00618, Nairobi
• Phone: +254708233824
• Email: surecredltd@gmail.com
• Physical Address: Aztec Business Park, Baba Dogo Road, Ruaraka, Nairobi

76. Stride Credit Limited

• Postal Address: P.O. Box 1604-60200, Meru
• Phone: +254715982342
• Email: stridecreditltd@gmail.com
• Physical Address: Twin Plaza, Ghana Street, Meru Town

77. Tanir Credit & Accounting Services Limited

• Postal Address: P.O. Box 1255-00232, Ruiru
• Phone: +254723585651
• Email: tanirltd@gmail.com / info@tanirltd.co.ke
• Physical Address: Kenversity Sacco Plaza, 4th Floor, Suite 4B, Off-Thika Superhighway, Kahawa Sukari Area, Ruiru

78. Tenakata Enterprises Limited

• Postal Address: P.O. Box 21605 – 00505, Nairobi
• Phone: +254728888863
• Email: info@tenakata.com
• Physical Address: 3rd Floor, Utumishi House, Mamlaka Road, Nairobi

79. Tip-Point Capital Limited

• Postal Address: P.O. Box 1050 – 00520, Nairobi
• Phone: +254700050010 / +254711019700
• Email: info@tippointcapital.com
• Physical Address: Sifa Towers, 2nd Floor 2C, Nairobi

80. Treasure Store Limited

• Postal Address: P.O. Box 69983 – 00400, Nairobi
• Phone: +254724256039 / +254114405337
• Email: customercare@sot.co.ke
• Physical Address: Nanak House, 2nd Floor, Room 202, Nairobi

81. UbaPesa Limited

• Postal Address: P.O. Box 22745 – 00100, Nairobi
• Phone: +254709693000
• Email: info@upabesa.com / ubapesa.ke@gmail.com
• Physical Address: Golf View Office Suites – Wambui Road, Muthaiga, Nairobi

82. Umoja Fanisi Limited

• Postal Address: P.O. Box 44165 – 00100, Nairobi
• Phone: +254796250881
• Email: info@umojafanisilimited.com
• Physical Address: Fanisi House, Mbaazi Road, Off Kingara Road, Lavington, Nairobi

83. Zanifu Limited

• Postal Address: P.O. Box 66877- 00800, Nairobi
• Phone: +254713023159
• Email: legal@zanifu.com
• Physical Address: Kenrail Towers, 4th Floor, Mkungu Close, Nairobi

84. Zenka Digital Limited

• Postal Address: P.O. Box 29107, 00100, Nairobi
• Phone: +254112480254 / +254207650878
• Email: info@zenka.co.ke
• Physical Address: Mirage Tower, Tower 2, 12th Floor, Waiyaki Way, Westlands, Nairobi

85. Zillions Credit Limited

• Postal Address: P.O. Box 7640-00600, Nairobi
• Phone: +254709462300
• Email: info@zashloan.com
• Physical Address: Spectrum Business Park, Baba Dogo, Nairobi