Daviva is a loan app run by Pesakuu Credit Limited, a digital credit provider licensed by the Central Bank of Kenya (CBK). It appears in CBK’s September 2026 directory with a licence date of October 1, 2024.
At a glance
| Lender (licensed name) | Pesakuu Credit Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed October 1, 2024 |
| Loan amounts (published) | Not stated in the listing |
| Repayment term (published) | 61 – 122 days (incl. extension) |
| APR / cost (published) | Max 30% (incl. fees) |
| Other fees and terms | None stated beyond the above |
| Customer contact (per CBK) | +254112020926 · iziloan1@gmail.com |
| Office (per CBK) | The Address, 7th Floor, Westlands, off Waiyaki Way, Muthangari Drive, Nairobi |
The terms are what the lender publishes on its Google Play listing; your actual limit, rate and fees are set by its credit scoring and shown in the app before you accept a loan. Terms not listed above are not published.
Repayment calculator
Prefilled with 30% a year for 61 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- DAVIVA – quick personal loans – Google Play, 100K+ downloads, updated Aug 17, 2026
We checked Google Play only. Download only the listing whose developer matches the lender, and check the lender is in CBK’s directory before borrowing.
Terms as published by the lender
- Minimum Loan Repayment period: 61 days
- Maximum Loan Repayment period: 122 days (including loan extension)
- Maximum APR (inclusive of fees): 30%
- Representative Loan Example: A loan of KSh 1,000 at an APR of 30% with a repayment period of 61 days will result in a total repayment of KSh 1,050 (KSh 1,000 principal + Ksh 50 interest).
How to apply
Install the app from the official listing above, register with your phone number and ID as the app asks, and review the loan offer: it must show the amount, the total cost and the due date before you accept. Loans are usually sent to M-Pesa. Repay through the app or the paybill shown in it. Late repayment can lead to penalties stated in your offer and to listing with a credit reference bureau.
Frequently asked questions
Is Daviva licensed by CBK?
Yes. Pesakuu Credit Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed October 1, 2024.
How much can I borrow on Daviva?
The lender publishes: Not stated in the listing. Your limit depends on its assessment.
How much does Daviva charge?
Published cost: Max 30% (incl. fees).
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- DAVIVA – quick personal loans – Google Play listing (checked 13 Oct 2026)
More: All CBK-licensed loan apps · Cheapest loan apps compared · All 281 CBK-licensed digital lenders · CRB guide
