Wakanda Credit is a loan app run by Wakanda 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) | Wakanda Credit Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed December 24, 2025 |
| Loan amounts (published) | KES 1,000 – 250,000 |
| Repayment term (published) | 100 – 360 days |
| APR / cost (published) | 16.5% – 75% |
| Other fees and terms | None stated beyond the above |
| Customer contact (per CBK) | +254 701858999 · compliance@wakanda.top |
| Office (per CBK) | Milestone Building, Kiambu Road, Nairobi, Kenya |
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 75% a year for 100 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- Wakanda Credit – Google Play, 100+ downloads, updated Sep 21, 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: KES 1,000 – KES 250,000
- Loan tenure: 100 – 360 days
- Minimum APR: 16.5%
- Maximum APR: 75%
- For a loan of KES 200,000 with a repayment period of 120 days and an annual interest rate of 20%:
- Loan tenure: 120 days
- Annual Percentage Rate (APR): 20%
- Approximate daily interest rate: 0.0548%
- Total interest: approximately KES 13,152
- Total repayment: approximately KES 213,152
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 Wakanda Credit licensed by CBK?
Yes. Wakanda Credit Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed December 24, 2025.
How much can I borrow on Wakanda Credit?
The lender publishes: KES 1,000 – 250,000. Your limit depends on its assessment.
How much does Wakanda Credit charge?
Published cost: 16.5% – 75%.
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Wakanda Credit – 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
