The Central Bank of Kenya (CBK) has announced the licensing of an additional 42 Digital Credit Providers (DCPs).
This is pursuant to Section 59(2) of the Central Bank of Kenya Act (CBK Act).
In a statement issued on December 30, 2025, CBK said this brings the number of licensed DCPs to 195 following the licensing of 27 DCPs announced in September 2025.
CBK revealed that it has received more than 800 applications since March 2022 and has worked closely with the applicants in reviewing their applications.
“The focus of the engagements with DCPs has been inter alia on business models, consumer protection and fitness and propriety of proposed shareholders, directors, and management. This is to ensure adherence to the relevant laws and, importantly, that the interests of customers are safeguarded,” read part of the statement.
“We acknowledge the efforts of the applicants and the support of other regulators and agencies in this process,” it added.
DCPs predominantly carry out their lending activities digitally, including through Unstructured Supplementary Service Data (USSD) codes.
Loan products include education loans, development loans, short-term personal loans, asset financing and business loans.
As of November 2025, licensed DCPs had granted 6.6 million loans valued at Ksh 109.8 billion.
Other applicants are at different stages in the process, largely awaiting the submission of requisite documentation.
“We urge these applicants to submit the pending documentation expeditiously to enable completion of the review of their applications,” CBK said.
List of licensed digital loan apps in 2026
- Abito Limited
- Absolute Credit Kenya Ltd
- Adjacent Possible Finance Limited
- Adroit Credit Limited
- Ajax Credit Kenya Limited
- Aleza Limited
- Ambush Capital Kenya Limited (FlashPesa)
- Anjoy Credit Limited
- ASA International Kenya Limited
- Asante FS East Africa Limited
- Asap Credit Limited
- Aspire Lending Ltd
- Autocheck Limited
- Auxiliary Credit Ltd
- Avenews Ke Ltd
- AVL Capital Ltd
- Azura Credit Limited
- BCF Kenya Limited
- Bidi Credit Limited
- Bimas Kenya Limited
- Binga Micro Capital Limited
- Blessmark Capital Limited
- Boostline Capital Limited
- Boosrick Credit Limited
- BRACK Kenya Company Limited
- Brisk Kenya Limited
- Bytech Credit Limited
- Cashmart Capital Limited
- Ceres Tech Limited
- Chapeo Capital Limited
- Chelete Credit Limited
- Chime Capital Limited
- Colkos Entreprises Limited
- Creditarea Capital Limited
- Decimal Capital Limited
- Dexintee Kenya Limited
- Dime Credit Limited
- Dotcash Credit Limited
- East Africa Futures Company Limited
- Easy Asset Management Limited
- Easyways Credit Limited
- ED Partners Africa Limited
- Edenbridge Capital Limited
- EDOMX Limited
- Elevate Credit Limited
- Ellegant Credit Limited
- Extend Money Services Limited
- Fabilo Credit Ltd
- Factorhouse Limited
- Fahari Point Capital Limited
- Fantom Capital Limited
- Fezotech Kenya Limited
- Finberry Capital Ltd
- Finboom Credit Kenya Limited
- Fincorp Kenya Limited
- Fincredit Limited
- Finseil Limited
- Fortune Credit Limited
- Fourth Generation Capital Limited
- Frictionless Enterprises Limited
- Futureinno Digital Kenya Limited
- Geoland Credit Limited
- Getcash Capital Limited
- Giando Afica Limited (Flash Credit Africa)
- Girls First Kenya Limited
- Granary Capital Limited
- Guava Capital Limited
- Hanis Capital Limited
- Hela Capital Limited
- Helium Credit Limited
- Inspire Credit Limited
- Inventure Mobile Limited (Tala)
- Ismuk Credit Limited
- Jafari Credit Limited
- Jambofin Credit Limited
- Jijenge Credit Limited
- Juhudi Kilimo Company Limited
- Jumo Kenya Limited
- Keep Vision and Growth Kenya Limited
- Kifedha Limited
- Kiwetu Credit Ltd
- Kweli Smart Solutions Limited
- Lasiri Capital Limited
- Leaf Credit Limited
- Leja Ltd
- Lenana Innovative Solutions Limited
- Letshego Kenya Ltd
- Liberty Africa Technologies Ltd
- Lipa Later Limited
- Little Limited (SpotIt)
- Little Pesa Limited
- Loan Plus Digital Credit Provider Limited
- Lobelitec Credit Limited
- LockBX limited
- Longitude Capital Limited
- Lucason Capital Limited
- Maison Capital Limited
- Malicash Investiment Limited
- Maralal Ledger Limited
- Marble Capital Solutions Limited
- Maxxton Enterprises Limited
- Mayflower Capital Limited
- MCF 2 Kenya Limited
- Mednow Capital Limited
- MFS Technologies Limited
- Milhan Access Capital Limited
- Mimi Credit Limited
- Mint Credit Limited
- MKasa Solutions Limited
- MKM Capital Limited
- M-Kopa Loan Kenya Limited
- Mkulimapay Credit Ltd
- Modesty Credit Ltd
- Mogo Auto Limited
- Momentum Credit Limited
- Moneza Limited
- Moto Hope Capital Limited
- Mular Credit Limited
- Musoni Capital Limited
- Mwananchi Credit Limited
- Mwanzo Credit Limited
- Mycredit Limited
- MyWagePay Limited
- Natal Tech Limited
- Nawiri African Sprouts Limited (Fast Credit)
- Newark Frontiers Limited
- Ngao Credit Limited
- Numida Technologies Kenya Limited
- ODI Credit Limited
- Okolea International Limited
- Onwards Swift Company Limited
- Opal Quick Limited
- Otas Credit Limited
- Pato Capital Limited
- Payablu Credit Limited
- Pembeni Cash Ltd
- Pesaglow Capital Limited
- Pesakuu Credit Limited
- Peshee Capital Limited
- Pezesha Africa Limited
- Phoenex Capital Limited
- Pi Capital Limited
- Platinum Credit Limited
- Premier Capital Limited
- Progressive Credit Limited
- Puphik Credit Limited
- Radi Credit Limited
- Real People Kenya Limited
- Reazilla DCP Limited
- Rewot Ziro Limited
- Risine Credit Limited
- Rosatap Credit Limited
- Seanala Credit Limited
- Select Management Services Limited
- Senti Capital Limited
- Sevi Innovation Limited
- Simbagelt Limited
- Simplepay Capital Limited
- Sipranda Capital Ltd
- Sity Mobility Technologies Limited
- Snowflex Capital Limited
- Sokohela Limited
- Spectrum Credit Ltd
- Spread Capital Ltd
- Steadfast Credit Ltd
- Stride Credit Limited
- Suffice Ltd
- Sure Cred Capital Limited
- Tanir Credit & Accounting Services Limited
- Tazu Credit Limited
- Tenalata Enterprises Limited
- Tentacorp Holdings Limited
- Tinycost Credit Kenya Limited
- Tip-Point CapitaL Limited
- Transsnet Credit Limited
- Treasure Store Limited
- TrustGro SCA Limited
- UbaPesa Limited
- Umoja Fanisi Limited
- Unidirect Ltd
- Unifi Credit Limited
- Vision Edge Credit Partners Limited
- Wabema Credit Ltd
- Wakanda Credit Limited
- Watu Credit Limited
- Westlip Credit Limited
- Zaidi Pato Limited
- Zamaradi Capital & Credit Group Limited
- Zanifu Limited
- Zenka Digital Limited
- Ziki Credit Limited
- Zillions Credit Limited
The Central Bank of Kenya also shared details of the DCPs, including their addresses, mobile phone numbers, email and physical address.
