Surehela is a loan app run by Sure Cred Capital 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) | Sure Cred Capital Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed October 1, 2024 |
| Loan amounts (published) | KES 150,000 – 200,000 |
| Repayment term (published) | 91 – 120 days |
| APR / cost (published) | Max 26% (annual interest) |
| Other fees and terms | Minimum daily interest 0.07% |
| Customer contact (per CBK) | +254708233824/0708588458 · surecredltd@gmail.com |
| Office (per CBK) | Aztec Business Park, Baba Dogo Road, Ruaraka, 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 26% a year for 91 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- Surehela – Instant Credit Loan – Google Play, 10K+ downloads, updated Jul 3, 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
- Loan Amount: From 150,000 to 200,000 Kenyan Shillings, with flexible options based on individual needs;
- Loan Term: 91 to 120 days, accommodating various cash flow cycles and reducing repayment pressure;
- Interest Rates: Minimum daily interest rate of just 0.07%, with a maximum annual interest rate not exceeding 26%. Rates are transparent with no hidden fees.
- If you apply for a loan with a 120-day term, a daily interest rate of 0.07%, and a principal amount of 190,000 Kenyan Shillings, the specific repayment details are as follows:
- Total Interest Calculation: 190,000 KSH × 0.07% × 120 = 15,960 KSH
- Total repayment amount: 190,000 KSH + 15,960 KSH = 205,960 KSH
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 Surehela licensed by CBK?
Yes. Sure Cred Capital Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed October 1, 2024.
How much can I borrow on Surehela?
The lender publishes: KES 150,000 – 200,000. Your limit depends on its assessment.
How much does Surehela charge?
Published cost: Max 26% (annual interest). Minimum daily interest 0.07%
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Surehela – Instant Credit Loan – 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
