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.
As of January 2026, the CBK has licensed a total of 195 Digital Credit Providers (DCPs) aka digital loan companies. The most recent group to receive licenses, announced on December 30, 2025, included an additional 42 companies.
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 list of newly licensed providers in December 2025 includes a diverse range of companies, from established players to new entrants. 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)
Central Bank of Kenya: Licensed Digital Credit Providers in 2026
| # | 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 |