LicensedYes, Town Credit Ltd is on the CBK’s list, licensed on 28 September 2026.
The CBK licenses companies, not apps. Before you borrow, check that the app names Town 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
- 28 September 2026
- Phone
- +254720111824
- sawacreditltd@gmail.com
- Office
- Mopel House, Forest Road, Kiserian
- Postal address
- P.O. Box 60311-00200, Nairobi
From borrowers
What borrowing from Town 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 Town 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. Town 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 Town Credit Ltd licensed by the Central Bank of Kenya?
- Yes. Town Credit Ltd is on the CBK's Directory of Digital Credit Providers updated 29 September 2026, licensed on 28 September 2026. The licence is for the company: check that the loan app you use names Town Credit Ltd as its developer or lender.
- How do I contact Town Credit Ltd?
- The CBK's directory lists phone +254720111824, email sawacreditltd@gmail.com, office at Mopel House, Forest Road, Kiserian.
- What can I do if Town 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.