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Kopa Cent review (2026): what it is, licence check, and honest ranking

A small mobile lender. Verify licence before drawing.

AO
by Reviewed by Michael Mwangi 7 min read Updated 26 August 2026Verified 26 Aug 2026

What Kopa Cent is

Kopa Cent is a Kenyan app-based mobile lender offering short-tenure unsecured cash loans disbursed to M-PESA. The brand sits in a crowded field of small app lenders.

Verify licence first

  1. Open the Kopa Cent app terms and note the registered company name (not the brand).
  2. Search the CBK register for that exact name.
  3. If not on the register, do not draw. Use the paybillke CBK licence checker.

Pricing

Kopa Cent has priced at a flat facility fee for short tenures. Specifics are not verified for this review; read the in-app confirmation.

Better-established alternatives

Before any small unknown lender, exhaust the shortlist of clearly-licensed alternatives:

  1. Hustler Fund (via *254#): 8 percent per annum, cheapest option.
  2. M-Shwari and KCB M-PESA (via the M-PESA menu): bank-backed, mid-tier.
  3. Tala, Branch, Zenka (via app): CBK-supervised, mid-to-high tier.

If something goes wrong

  1. Raise ticket in-app.
  2. Complain to CBK Consumer Protection on 0800 720 000.
  3. If unlicensed, see what to do if an unlicensed lender takes your money.

Sources

  1. Central Bank of Kenya. Register of non-deposit-taking credit providers.
  2. Business Laws (Amendment) Act No. 20 of 2024.

FAQ

Is Kopa Cent licensed by CBK?

To verify, open the Kopa Cent terms in-app and note the registered operating company name, then search the CBK non-deposit-taking credit providers register for that exact name. As of 26 August 2026 we did not confirm Kopa Cent under that brand on the register.

What does Kopa Cent charge?

Flat facility fee for short tenures, as is typical of this category. Specific figures are not verified in this review.

Further reading

Curated external sources we cite. Open in a new tab.