Editorial Policy

Our Standards

Credizen is committed to providing accurate, unbiased information about mobile loans and short-term lending options in Kenya. Our editorial standards ensure:

• Factual accuracy — All data is verified against official sources, including the Central Bank of Kenya (CBK) regulatory records and the Office of the Data Protection Commissioner (ODPC) guidelines
• Editorial independence — Reviews and rankings are not influenced by advertisers or lending partners
• Transparency — All commission relationships and affiliate partnerships are clearly disclosed
• Regular updates — Content is reviewed quarterly to ensure accuracy and reflect changes in Kenya's lending regulations

Review Methodology

We evaluate Kenyan lenders using objective criteria tailored to the local mobile lending environment:

• Interest rate and total loan cost in KES (provider-stated rateweight)
• application assessment speed and fund transfer time (provider-stated rateweight)
• Fees and transparency of terms (provider-stated rateweight)
• Customer reviews and satisfaction (provider-stated rateweight)
• Eligibility requirements and accessibility (provider-stated rateweight)
• CBK licensing and regulatory compliance (provider-stated rateweight)

Kenya's mobile lending market is regulated by the Central Bank of Kenya under the Central Bank of Kenya (Amendment) Act 2021, which requires all digital credit providers to be licensed. Our reviews verify licensing status and ensure all rates and fees are displayed in Kenyan Shillings (KES).

Learn more: Full Methodology

Advertising Disclosure

Credizen earns commissions when users apply through our links. This does not influence our ratings or editorial content. All lenders are evaluated equally using the same criteria. We only feature lenders that comply with CBK regulations. All loan amounts and costs are displayed in Kenyan Shillings (KES).

Regulatory Compliance

All lenders featured on Credizen Kenya are verified against the Central Bank of Kenya's registry of licensed digital credit providers. We only publish information about institutions that comply with the CBK (Amendment) Act 2021 and the Data Protection Act 2019 (enforced by ODPC). Our team monitors regulatory changes from CBK to ensure our listings remain current and compliant.

Corrections & Feedback

Found an error? Contact us — we respond within 48 hours and correct mistakes promptly. Your feedback helps us improve the quality of information for all Kenyan borrowers.