LicensedYes, Umoja Fanisi Limited is on the CBK’s list, licensed on 30 January 2023.
The CBK licenses companies, not apps. Before you borrow, check that the app names Umoja Fanisi 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
- 30 January 2023
- Phone
- +254796250881
- info@umojafanisilimited.com
- Email domain
- umojafanisilimited.com
- Office
- Umoja Fanisi House, Mbaazi Road, Off Kingara Road, Lavington, Nairobi
- Postal address
- P.O. Box 44165 – 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 Umoja Fanisi 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 Umoja Fanisi 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. Umoja Fanisi 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 Umoja Fanisi Limited licensed by the Central Bank of Kenya?
- Yes. Umoja Fanisi Limited is on the CBK's Directory of Digital Credit Providers updated 29 September 2026, licensed on 30 January 2023. The licence is for the company: check that the loan app you use names Umoja Fanisi Limited as its developer or lender.
- How do I contact Umoja Fanisi Limited?
- The CBK's directory lists phone +254796250881, email info@umojafanisilimited.com, office at Umoja Fanisi House, Mbaazi Road, Off Kingara Road, Lavington, Nairobi.
- What can I do if Umoja Fanisi 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.