LicensedYes, Karibu Credit Limited is on the CBK’s list, licensed on 10 April 2026.
The CBK licenses companies, not apps. Before you borrow, check that the app names Karibu 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
- 10 April 2026
- Phone
- +254 722203232
- service@karibucredit.co.ke
- Email domain
- karibucredit.co.ke
- Office
- Tumaini House Nairobi 3, Moi Avenue, Nairobi
- Postal address
- P.O. Box 4465-00100, Nairobi
The email domain often matches the app’s or company’s website; an app using a different name may still be this lender, so check the developer.
From borrowers
What borrowing from Karibu 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 Karibu 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. Karibu 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 Karibu Credit Limited licensed by the Central Bank of Kenya?
- Yes. Karibu Credit Limited is on the CBK's Directory of Digital Credit Providers updated 29 September 2026, licensed on 10 April 2026. The licence is for the company: check that the loan app you use names Karibu Credit Limited as its developer or lender.
- How do I contact Karibu Credit Limited?
- The CBK's directory lists phone +254 722203232, email service@karibucredit.co.ke, office at Tumaini House Nairobi 3, Moi Avenue, Nairobi.
- What can I do if Karibu 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.