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A Kenya-focused digital lending app that helps individuals apply for short-term mobile loans, get assessed for eligibility, and receive disbursements to M-Pesa.
Bora Credit Product Overview
Is Bora Credit Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Kenyan mobile borrowers
- Short-term cash needs
What It Does Well
- Mobile loan applications
- Eligibility checks
Things to Check
- Loan limit range
- Repayment period options
About Bora Credit
Bora Credit is a digital lending app for individuals in Kenya who need short-term mobile loans and want funds disbursed to their M-Pesa accounts.
Key capabilities include:
- Instant loan applications with approval in minutes and direct M-Pesa disbursement for approved borrowers
- Credit and eligibility assessment to help evaluate creditworthiness and determine loan access
- In-app loan management and repayment through an Android interface designed for self-service borrowing
- Secure, encrypted transactions and 24/7 customer support via published phone and email contacts
Available on Android (Google Play). The website provides product information, policies, and account deletion.
Targeted at B2C borrowers in Kenya looking for quick personal credit for urgent expenses, debt consolidation, or planned purchases.
Notable in the Kenyan market because it is operated by CERES TECH LIMITED, a Kenya-registered company with a Nairobi address, and it is built around M-Pesa-based disbursement, a common local payment rail for digital lending.
Bora Credit Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. Learn moreOperates In
Official Links
What it does
As of Sep 21, 2026, Bora Credit is rated 4.3 on Google Play from 22.7K reviews with 1M+ installs.
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Frequently Asked Questions About Bora Credit
Bora Credit is a Kenya-focused digital lending app that lets individuals apply for short-term mobile loans and receive approved funds directly to their M-Pesa accounts. You download the Android app, register with your mobile/M-Pesa number, complete your profile, apply for a loan amount, and if approved the money is disbursed to your M-Pesa, with repayments managed through the app.
Bora Credit charges interest and fees on approved loans, with publicly reported APRs typically between 36% and 72% for amounts from about KSh 500 to KSh 50,000. There is no subscription fee, you only pay the cost of the loan you take (interest and any applicable fees) as shown in your loan offer in the app.
Bora Credit primarily operates in Kenya. The service, licensing, contact details, and M-Pesa-based lending are all targeted at Kenyan users.
To sign up, download the Bora Credit app from Google Play on your Android phone, register using your M-Pesa/mobile number, then complete your profile with the required personal details. After registration and profile completion, you can submit a loan application directly in the app.
Yes, Bora Credit is available on Android. Get Boracredit on Google Play for Android.
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