List of CBK licensed digital credit providers in Kenya

The digital lending sector in Kenya has undergone a significant transformation, driven by the Central Bank of Kenya’s (CBK) efforts to regulate what was once a largely unrestricted market. The licensing of Digital Credit Providers (DCPs) is the cornerstone of this new regulatory framework, aimed at protecting consumers and instilling discipline in the industry.

As of September 2025, the CBK has licensed a total of 153 Digital Credit Providers. The most recent group to receive licenses, announced on September 4, 2025, included an additional 27 companies. This ongoing licensing process, which began in March 2022, involves a rigorous review of each applicant’s business model, consumer protection policies, and the integrity of its management and shareholders.

The licensed DCPs predominantly operate through digital channels, such as mobile apps and USSD codes, providing a variety of loan products. These include short-term personal loans, business loans, asset-financing, and even education and development loans. The impact of these lenders is substantial; as of June 2025, licensed DCPs had already issued 5.5 million loans with a total value of Ksh. 76.8 billion.

The list of newly licensed providers in September 2025 includes a diverse range of companies, from established players to new entrants. They include Abito Limited, Ajax Credit Kenya Limited, Aspire Lending Ltd, Bossrich Credit Limited, Brisk Credit Limited, Easy Asset Management Limited, Easyways Credit Limited, Elevate Credit Limited, Finseil Limited, Futureinno Digital Tech Limited and Hanis Capital Limited.

The list of licensed digital credit providers in Kenya is below: