ChapMali is a loan app run by Futureinno Digital Tech 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 September 2, 2025.
At a glance
| Lender (licensed name) | Futureinno Digital Tech Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed September 2, 2025 |
| Loan amounts (published) | KES 1,000 – 100,000 |
| Repayment term (published) | 91 – 365 days |
| APR / cost (published) | 9% – 36% |
| Other fees and terms | Example includes a 10% processing fee |
| Customer contact (per CBK) | +254710170061 · futureinnodigital@gmail.com |
| Office (per CBK) | Reliable Towers, Mogotio Road, 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
- ChapMali – Google Play, 100K+ downloads, updated Sep 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: KSh 1,000 – KSh 100,000
- Loan Tenure: 91 – 365 days
- Annual Percentage Rate (APR): 9% – 36%
- Borrow KES 2,000 for 180 days, Daily interest: 0.02%, Processing fee: 10%:
- Fee: KES 2,000 × 10% = KES 200
- Interest: KES 2,000 × 0.02% × 180 = KES 72
- Total repayment: KES 2,000 + 200 + 72 = KES 2,272
- Annual Percentage Rate (APR): 27.58%
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 ChapMali licensed by CBK?
Yes. Futureinno Digital Tech Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed September 2, 2025.
How much can I borrow on ChapMali?
The lender publishes: KES 1,000 – 100,000. Your limit depends on its assessment.
How much does ChapMali charge?
Published cost: 9% – 36%. Example includes a 10% processing fee
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- ChapMali – 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
