LicensedYes, Modesty Credit Ltd is on the CBK’s list, licensed on 5 June 2025.
The CBK licenses companies, not apps. Before you borrow, check that the app names Modesty Credit Ltd 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
- 5 June 2025
- Phone
- +254794673254
- info@modestycredit.co.ke
- Email domain
- modestycredit.co.ke
- Office
- Meru-Makutano, Union Square, Meru
- Postal address
- P.O. Box 607 – 60200, Meru, Makutano Highway
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 Modesty Credit Ltd 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 Modesty Credit Ltd. 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. Modesty Credit Ltd 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 Modesty Credit Ltd licensed by the Central Bank of Kenya?
- Yes. Modesty Credit Ltd is on the CBK's Directory of Digital Credit Providers updated 29 September 2026, licensed on 5 June 2025. The licence is for the company: check that the loan app you use names Modesty Credit Ltd as its developer or lender.
- How do I contact Modesty Credit Ltd?
- The CBK's directory lists phone +254794673254, email info@modestycredit.co.ke, office at Meru-Makutano, Union Square, Meru.
- What can I do if Modesty Credit Ltd 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.