Lending can be profitable, but it is hard work. Lendsqr's BNPL software makes it easier: start, launch and grow your loan business across multiple channels and make smart decisions, all at a fraction of the cost.
Quick Integration. Set up your lending business with time-saving integration.
Automated Processing. Real-time automation to optimize your business.
Fully Customizable Choose from powerful features that work for your business.
Regulators
Lenders in Kenya answer to these bodies. Check their current licensing and reporting rules before you start lending.
The Central Bank of Kenya is the country's central bank, responsible for implementing monetary policy, managing inflation, and overseeing the financial system. It regulates the banking sector, issues the Kenyan shilling, and promotes financial stability to support economic growth.
The Competition Authority of Kenya enforces competition laws to prevent anti-competitive behavior such as monopolies, price-fixing, and abuse of market dominance. It promotes a competitive business environment that benefits consumers by ensuring fairness and market efficiency.
All the capabilities
you need to simplify your lending process
Our robust end-to-end loan management software enables us to offer support throughout the entire lending lifecycle.
Origination means receiving and setting up loan requests.
origination
We’ve digitized the entire loan origination process
Launch your lending business effortlessly across multiple channels including web, mobile, WhatsApp, USSD, and APIs. Our lending software solutions get your loan business up and running in as little as 30 minutes.
Channels & Distribution
Create and manage diverse loan products that cater exactly to what your customers want, all with our easy-to-use management tools.
Learn more about Channels & DistributionLoan Product Management
Savings & Investment Management
With Lendsqr's advanced loan management back office, you gain total control and clarity over every aspect of your loan business.
customer MANAGEMENT
The most efficient customer management tool for lenders
Easily scale to manage your growing customer base. Track your most important customer metrics such as onboarding attempts, active and inactive users, and logins.
transaction monitoring
Track real-time data on all the transactions in your business
Gain a wider overview and summary of all the transactions that happen in your loan business. View and download all settlement summary data for faster resolutions and planning.
automations
Reduce the risk of manual errors
Our back office is fully equipped with powerful automations that reduce the time it takes to complete repetitive tasks like approvals, disbursement and repayments, allowing you to spend more time on growth.
teams
Unleash efficient collaboration within your business
Simplify teamwork by inviting team members and assigning specific permissions for streamlined business management. From risk assessment to client interactions, Lendsqr makes collaboration easy, enhancing your overall lending efficiency.
reporting
Get detailed insights on your business
Our dashboard and reports provide you with extensive data on how your products and customers are doing. Monitor your top performing products, customers and other metrics, helping you channel your efforts better.
85 lenders in Kenya are listed in the Lendsqr lender directory.
85lenders listed
KES 4,500 to KES 150,000
USD 8,000 to USD 775,000
3 to 36 months
Shortest to longest typical term
Guides from the Lendsqr blog on getting a lending license in Kenya.
How to get a lending license in Kenya
August 12, 2024
Kenya licenses 42 digital lenders: what it means for credit markets in Africa
March 15, 2026
Lendsqr lets lenders and merchants in Kenya offer buy now, pay later. Shoppers split a purchase into installments, your decision model checks each shopper, and every installment is tracked until the last one is paid.
You set the installment plans, fees and limits, and manage BNPL loans from the same back office as the rest of your lending.
Choose the plan that suits your needs. Paid plans also have a one-off setup and licensing fee, quoted during onboarding.
Free
$0
Per month, billed monthly
Free Features:
Loans and Loan Products
Decision Models
Disbursements
Customer Web App
Pro
$50
Per month, billed monthly
+ one-off setup fee, quoted during onboarding
All features in Free +
Team management
Offer letters
Approval Workflow
Web App Customizations
Business
$150
Per month, billed monthly
+ one-off setup fee, quoted during onboarding
All features in Pro +
White label mobile app (with additional cost)
Customer Groups
Referral Configurations
Savings and Investment
Adjutor API Service
Enterprise
Custom
+ one-off setup fee, quoted during onboarding
All features in Business +
External loans (Web SDK)
Custom mobile app
CBA/ERP Integrations
3rd party integrations
On-premise deployment license
WHY LENDSQR?
We've overcome every challenge to empower your success.
Having encountered nearly every issue a lender might face, we offer comprehensive solutions. By choosing Lendsqr as the backbone of your digital lending platform, you are choosing guaranteed growth and success.
Cost effective
Launch at 5% of the cost of building your own proprietary platform.
Faster time to market
Launch on the web in as little as 30 minutes, add USSD within hours, and go live with a mobile app in weeks.
Community immunity
Access to tons of data from other lenders to collaboratively block bad borrowers.
Expertise
Lendsqr talents have extensive experience with credit, data, and tech.
Lenders love Lendsqr!
Our strong capability and robust platform enable us to offer support across the entire lending lifecycle.
3.7m+ customers
Our Lending-as-a-Service platform helps lenders serve over 3.7m humans across the world.
Available in 190+ countries
We're global but also localized for every currency and locale.
Cost effective solution
Getting started with Lendsqr is very affordable. Our lenders leverage a robust infrastructure at a fraction of the cost it would take to build theirs!
30 mins average time to market
It can take as little as 30 minutes for a lender to sign up and start accepting loan requests. Yet, we also deliver customized features in record time.
Trusted by lenders world-wide
We're helping lenders across the world scale their loan business
Trusted by established lenders around the world
Enterprise and small teams rely on Lendsqr.
Lendsqr has significantly expedited our entry into the difficult but large retail lending market. Their solution not only shortened the time to market but also at a significantly reduced cost.
Abubakar Suleiman
CEO, Sterling Bank (SnapCash)
Need the right providers to support your lending? We’ve gathered everything from payment solutions to KYC tools, credit checks, and bank statement services all in one place. Let’s help you get started with the right partners today.
Explore now (opens in a new tab)
Creditinfo Kenya is a licensed Credit Reference Bureau (CRB) regulated by the Central Bank of Kenya. It is part of the global Creditinfo Group, which operates credit bureaus across multiple regions including Europe, Africa, the Middle East, and Asia.
Metropol Credit Reference Bureau (Metropol CRB) is one of the licensed credit bureaus in Kenya, established in 2010 and regulated by the Central Bank of Kenya. It provides credit information, risk analysis, and data services to banks, microfinance institutions, SACCOs, fintech lenders, and businesses.
Transunion offers total credit protection all in one place from credit score, credit report and credit alert. Transunion is a registered credit bureau and a repository of credit information on consumers and businesses. TransUnion provides a spectrum of risk and credit analysis products that help business make smarter decisions.
Paystack is a technology company powering payments and growth for businesses in Africa. Founded in 2015, Paystack aims to transform and simplify the payments landscape across the continent. With a mission to help businesses in Africa become profitable, envied, and loved, Paystack provides a seamless and secure way to accept payments from customers anywhere in the world.
Flutterwave is a fintech company founded in 2016, focused on building seamless payment infrastructure for businesses worldwide, with a strong emphasis on the African market. The company's mission is to simplify payments for endless possibilities, enabling businesses of all sizes to accept, process, and disburse payments through a range of versatile payment solutions. With a robust platform that supports multiple currencies and payment methods, Flutterwave has become a key player in connecting Africa to the global economy.
Accelerex is a leading Nigerian fintech and payment technology company that provides electronic payment infrastructure, POS solutions, merchant services, and transaction processing services. The company is widely recognized as one of Nigeria’s major providers of payment terminal and acquiring support services, helping banks, merchants, businesses, and agents accept secure digital payments.
Bottomline Technologies is a global provider of payment solutions, empowering businesses to streamline their payment processes. They offer a comprehensive suite of payment solutions designed to improve efficiency and reduce costs.
MPesa is a mobile phonebased money transfer service launched in 2007 by Vodafone and Safaricom in Kenya.
TCash is a mobile financial service that enables users to perform transactions such as money transfers, bill payments, and merchant payments using their mobile phones.
M-KOPA is a UK-based fintech platform that operates in Kenya, Uganda, Nigeria, Ghana, and South Africa.
Dojah is a leading African fintech company that provides a range of financial services, including identity verification, payment processing, and fraud prevention.
GBG is a global leader in digital identity solutions, providing advanced technology that helps businesses verify identities, protect customer accounts, and prevent fraud. With extensive international data coverage and cutting-edge analytics, GBG enables organizations to confirm who their customers are, validate their locations, and ensure safe, compliant digital interactions.
Idology is a leading provider of identity verification and fraud prevention solutions designed to help businesses safeguard their brand, protect customer data, and maintain regulatory compliance. Leveraging advanced technologies and extensive data intelligence, Idology offers fast, accurate, and frictionless verification tools that strengthen trust and reduce risk across digital channels.
IDMERIT offers advanced, automated identity verification solutions leveraging machine learning, biometrics, and secure data sources across more than 90 countries. Specializing in validating government-issued IDs and connecting to trusted global databases, IDMERIT ensures fast, accurate, and compliant verification without human intervention.
Bfree is a Nigerian-founded credit management, debt recovery, and distressed debt technology company focused on helping lenders recover loans through ethical, technology-driven collection systems. Founded in 2020, the company works with digital lenders, microfinance banks, commercial banks, and financial institutions across Africa.
Coface Algeria is a credit insurance company that provides credit insurance and debt collection services.
Creditech has been synonymous with innovative and intelligent financial engineering. They’ve helped implement recovery strategies for a wide range of businesses and municipalities and they pride themselves in giving their consumers the best customer experience.
Debt Kontrol LLC is a debt collection and recovery agency that provides comprehensive debt management services in Venezuela and globally. The company specializes in helping creditors recover overdue payments while maintaining respectful and professional communication with debtors.
Lending in Kenya is regulated by Central Bank of Kenya and Competition Authority of Kenya. Check their current license and reporting rules before you start lending.
The Lendsqr blog has a guide to getting a lending license in Kenya.
The Lendsqr lender directory lists 85 lenders in Kenya.
Typical loans from lenders listed in Kenya range from KES 4,500 to KES 150,000 and USD 8,000 to USD 775,000.
Lenders in Kenya can check a borrower's credit history with Creditinfo Kenya, Metropol, and TransUnion.
Paid plans in Kenya start at USD 50 a month. The pricing section on this page shows what each plan includes.
Lenders in Kenya disburse and collect with providers such as Paystack, Flutterwave, Accelerex, Bottomline Technologies, CapitalPay, DPO, Ebanx, and ETranzact.
Identity and verification providers in Kenya include Dojah, GBG, GBG Idology, ID merit, IDnow, LexisNexis Risk Solutions, Okta, and oneID.
Loan recovery providers in Kenya include Bfree, Coface Algeria, Creditech collection solutions, Debt Kontrol, Okapi finance, Liyala & Associates, LSDC, and Norern.
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