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Loan Safety

Loan Safety & Consumer Protection

Protect yourself when borrowing in Kenya. Know your legal rights under CBK Digital Credit Providers Regulations 2022, how to report harassment, and how to avoid loan scams.

Our Loan Safety guides help you navigate consumer protection when borrowing in Kenya. The Central Bank of Kenya (CBK) enforces strict regulations on digital credit providers, and as a borrower you have legal rights that protect you from harassment, unfair practices, and privacy violations.

Understanding the CBK Digital Credit Providers Regulations 2022 is essential for every borrower. These regulations require all digital lenders to be licensed, cap certain fees, and prohibit abusive debt collection tactics. The Kenya Data Protection Act 2019 further safeguards your personal information from being misused by lenders.

All Safety Guides (2)

More safety guides coming soon

We're expanding our safety and consumer protection coverage. Coming soon:

  • Data privacy for borrowers - How to protect your personal data from lender misuse
  • How to file a CBK complaint - Step-by-step process to report rogue lenders
  • Licensed vs unlicensed lenders - Complete CBK registry guide for 2026

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Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

  • South Africa: National Credit Regulator - 0860 627 627
  • Romania: ANPC - 0213142200
  • Colombia: Superintendencia Financiera - (571) 594 2222
  • Poland: KNF - 22 262 5000
  • Czech Republic: ČNB (Česká národní banka) - 224 411 111
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