DotCash is a loan app run by Dotcash 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 December 24, 2025.
At a glance
| Lender (licensed name) | Dotcash Credit Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed December 24, 2025 |
| Loan amounts (published) | KES 800 – 80,000 |
| Repayment term (published) | 91 – 365 days |
| APR / cost (published) | Max 36% (annual interest) |
| Other fees and terms | None stated beyond the above |
| Customer contact (per CBK) | +254741922050 · dotcashcredit@gmail.com |
| Office (per CBK) | Adlife Plaza, Chania Avenue, 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 36% 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
- DotCash loans Kenya – Google Play, 10K+ downloads, updated Sep 22, 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: 800 KES – 80,000 KES
- Loan Term: 91 days – 365 days
- 2. Low Interest Rate (Maximum Annual Interest Rate): 36%
- Example: A loan of 50,000 KES with a term of 91 days has the following fees:
- Monthly Interest Rate: 36% / 12 = 3%
- Monthly Interest: 50,000 KES * 3% = 1,500 KES
- 1. Higher credit score, higher loan amount.
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 DotCash licensed by CBK?
Yes. Dotcash Credit Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed December 24, 2025.
How much can I borrow on DotCash?
The lender publishes: KES 800 – 80,000. Your limit depends on its assessment.
How much does DotCash charge?
Published cost: Max 36% (annual interest).
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- DotCash loans Kenya – 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
