LicensedYes, Baraka Credit Limited is on the CBK’s list, licensed on 9 July 2026.
The CBK licenses companies, not apps. Before you borrow, check that the app names Baraka Credit Limited as its lender or developer (in its terms, or under “developer” on the app store page).
From the CBK’s directory
Licence and contacts
As the Central Bank publishes them.
- Licensed
- 9 July 2026
- Phone
- +254795648487
- baecotcreditltd@gmail.com
- Office
- Enterprise Road, Industrial Area, Nairobi
- Postal address
- P.O. Box 30031-00100
From borrowers
What borrowing from Baraka Credit Limited costs
Cost per KES 1,000 for 30 days, every fee included, from borrowers’ anonymous reports.
No reports yet: a figure appears once five borrowers have reported Baraka Credit Limited. Borrowed from it? Add what it cost you, anonymously.
For comparison, a bank or SACCO loan at 15% a year costs about KES 12 per KES 1,000 for 30 days. Borrowers’ reports are checked only for range and not verified with the lender. Baraka Credit Limited can ask us to look again at any figure, or send a response to publish beside it, at desk@afronomicsfeed.com.
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Source: Central Bank of Kenya, Directory of Digital Credit Providers, updated 29 September 2026; read 12 October 2026. Information, not advice.
Quick answers
Questions people ask
- Is Baraka Credit Limited licensed by the Central Bank of Kenya?
- Yes. Baraka Credit Limited is on the CBK's Directory of Digital Credit Providers updated 29 September 2026, licensed on 9 July 2026. The licence is for the company: check that the loan app you use names Baraka Credit Limited as its developer or lender.
- How do I contact Baraka Credit Limited?
- The CBK's directory lists phone +254795648487, email baecotcreditltd@gmail.com, office at Enterprise Road, Industrial Area, Nairobi.
- What can I do if Baraka Credit Limited contacts my friends or family?
- Complain to the lender in writing first and keep the messages. If it is not resolved, complain to the Central Bank of Kenya, which supervises licensed digital lenders. Use of your contacts' details without consent can also be reported to the Office of the Data Protection Commissioner.