Berry is a loan app run by Finberry Capital Ltd, 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 5, 2025.
At a glance
| Lender (licensed name) | Finberry Capital Ltd |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed June 5, 2025 |
| Loan amounts (published) | KES 1,000 – 60,000 |
| Repayment term (published) | 65 – 120 days |
| APR / cost (published) | 27% – 260% |
| Other fees and terms | Facilitation fee 9%–27% of principal |
| Customer contact (per CBK) | +254798890004 · info@berry.ke |
| Office (per CBK) | ATC Centre, No 40 Riara 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 260% a year for 65 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- Berry – More Cash More Life – Google Play, 100K+ downloads, updated Oct 31, 2025
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 Amounts: KES 1,000 – KES 60,000
- Monthly facilitation fee: 9% – 27%
- APR: 27% – 260%
- For example, for a 65-days loan with a principal amount of KES 1,000 the facilitation fee would be KES 250 and the total payable amount would be KES 1,250
- Minimum repayment period is 65 days while the maximum repayment period is 120 days, with a minimum APR is 27% while the maximum APR is 260%
- Loan Amount 1000 KES
- Interest Calculation – (1000 * 25 ) / 100 = 250 KES
- Expected Payback amount For 65 days – 1000 KES + 250 KES = 1250 KES
- Berry is very flexible and charges affordable and low facilitation fee ranging from 9% to 27%
- The minimum loan amount is KES 1,000 and the maximum loan amount is KES 50,000
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 Berry licensed by CBK?
Yes. Finberry Capital Ltd is in CBK’s Directory of Digital Credit Providers (September 2026), licensed June 5, 2025.
How much can I borrow on Berry?
The lender publishes: KES 1,000 – 60,000. Your limit depends on its assessment.
How much does Berry charge?
Published cost: 27% – 260%. Facilitation fee 9%–27% of principal
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Berry – More Cash More Life – 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
