Bright Cash is a loan app run by Payablu 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 June 27, 2024.
At a glance
| Lender (licensed name) | Payablu Credit Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed June 27, 2024 |
| Loan amounts (published) | KES 5,000 – 550,000 |
| Repayment term (published) | 91 – 180 days |
| APR / cost (published) | 15% – 20% |
| Other fees and terms | Paid to a bank account |
| Customer contact (per CBK) | +254792276761 · payablucreditlimited@gmail.com |
| Office (per CBK) | 2nd floor, Ntashart plaza formerly Elysee Plaza, Kilimani, Near Adams Arcade, Kilimani Road, off Ngong Road |
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 20% 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
- Bright Cash – Secure Loan – Google Play, 10K+ downloads, updated Jan 6, 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
- 3. Disbursement: Once approved, the loan amount will be transferred directly to your bank account.
- Loan amount: From Ksh 5,000 to Ksh 550,000 (actual amount depends on approval result)
- Loan term: Minimum 91 days – Maximum 180 days
- Annual Percentage Rate (APR): 15% – 20% (maximum daily interest rate 0.05%)
- Assuming a loan amount of Ksh 20,000 with a term of 180 days and an APR of 20% (daily interest rate 0.05%), the fees charged are as follows:
- Interest for 180 days = Ksh 20,000 × 0.05% × 180 = Ksh 1,800
- Total repayment amount (principal + interest) = Ksh 20,000 + Ksh 1,800 = Ksh 21,800
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 Bright Cash licensed by CBK?
Yes. Payablu Credit Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed June 27, 2024.
How much can I borrow on Bright Cash?
The lender publishes: KES 5,000 – 550,000. Your limit depends on its assessment.
How much does Bright Cash charge?
Published cost: 15% – 20%. Paid to a bank account
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Bright Cash – Secure 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
