We Sort You
Instantly.
Anjoy Credit Limited is Kenya's trusted digital lender — empowering individuals, bodaboda riders, women entrepreneurs and businesses through fast, fair and accessible financial services since 2020.
Customer Focus
We listen and consistently exceed client expectations.
Integrity
Trust is the cornerstone — never compromised.
Innovation
We continuously evolve to meet client needs.
Diversity
We serve all, on the basis of need — not background.
Purpose, Vision & Mission
Three pillars that guide every lending decision, partnership and community initiative we undertake.
Our Purpose
To empower individuals and businesses through access to fair and affordable financial services, enabling them to achieve their aspirations and improve their standard of living.
Our Vision
To be a leading financial institution that empowers communities and the environment through sustainable development and inclusive financial services across Africa.
Our Mission
To provide accessible and innovative financial services to under-served communities, focusing on climate change, green energy, and empowering women and vulnerable groups to drive sustainable growth.
Four Sectors, One Mission
From solar energy in rural Kenya to fish cage financing on Lake Victoria — ACL's impact spans industries that matter most to underserved communities.
Renewable Energy & Clean Tech
Financing solar energy, biogas and off-grid projects including Pay-As-You-Go clean energy systems. Expanding into electric motorbike financing of the Lunar One bike in partnership with Solaricon for bodaboda operators and last-mile delivery.
Agribusiness
Working with strategic partners to finance fresh farm produce — tomatoes and Irish potatoes in West Pokot County. Expanding into nuts and oil crops to increase agricultural productivity and food security across Kenya.
Blue Economy
Financing women fisherfolk in Port Victoria, Busia County, and expanding to Kisumu, Siaya, Homabay and Migori Counties. Products include fish cage financing, cold storage, and working capital — preceded by financial literacy training.
Financial Inclusivity
The Kapenguria branch in West Pokot County serves unbanked and vulnerable populations. Beyond lending, the branch delivers financial education and training to empower communities to make better financial decisions.
Our Loan Products
Fast approvals. Transparent terms. Built for real people with real needs.
E-Mobility & Green Energy
Financing electric motorcycles with home charging capacities and domestic solar solutions on a Pay As You Go model.
Group Loans
Collateral-free group-based credit that promotes financial inclusion for marginalised and underserved communities across Kenya.
Logbook Loans
Secured financing against personal vehicles, enabling vehicle owners with limited collateral to access funds quickly.
School Fees Loans
Purpose-built loans to ease educational costs and ensure children maintain uninterrupted access to quality education.
Group Lending for Women
Targeted lending products economically empowering women and vulnerable demographics through financial access and social equity.
Tailor-Made Products
Bespoke lending solutions aligned with each client's unique financial circumstances — approved in minutes via digital platforms.
Meet Our Team
A team of well-trained professionals with combined experience exceeding 40 years across banks and microfinance institutions.
12+ years in banking. Former Head of Institutions & Government Banking and Head of Credit & Risk Management at Co-operative Bank of South Sudan. Grew ACL from inception.
16+ years in banking across Cooperative Bank, HFC, Faulu MFB. Expert in Group lending, SMEs and corporate banking. BSc Food Science & Technology, Egerton University.
IT specialist with expertise across complex technology assignments. Diploma in IT, Dedan Kimathi University. Previously at Yellow Pages Kenya.
16 years in credit risk analysis with a BCom and CPA(K). Previously worked with Kenya Women Finance Trust.
Our Partners
A trusted network of government bodies, community organisations and technology partners enabling responsible, impact-driven lending.
State Department of Public Service
Management of check-off loans to public servants.
Sinyenye, Bukoma & Marenga BMUs
Loan management and financing of cold storage in Port Victoria.
IPRS – Directorate of Registration of Persons (GOK)
Identity verification to enhance KYC compliance.
Metropol (CRB Services)
Credit reference bureau services for responsible lending.
Climate Fund & Agribusiness Partners
In formative engagement for renewable energy and agribusiness financing.
Solaricon – Lunar One Electric Bike
Asset finance partnership for zero-emission motorbike adoption by bodaboda operators.
Contributing to the SDGs
Anjoy Credit actively contributes to 12 UN Sustainable Development Goals through its products and operations.
Ready to be sorted instantly?
Whether you're a business owner, bodaboda rider, farmer, or employee — we have a product designed for you. Apply online or visit our Nairobi office.