How to Get CRB Clearance Certificate

In Kenya, your credit history plays a huge role in financial opportunities. Whether you’re applying for a loan, a job, or even a tender, one document you may be asked for is the CRB clearance certificate. It confirms your credit status with licensed Credit Reference Bureaus and is proof of your financial discipline. While the process may seem intimidating, getting this certificate is straightforward when you know the right steps and platforms to use.

Quick Answer — At a Glance

1. Clear any outstanding loans with lenders if you’re listed negatively

2. Register with a licensed Credit Reference Bureau (like Metropol, TransUnion, or Creditinfo)

3. Apply for your clearance certificate online or via mobile app

4. Pay the required fee and download or receive your certificate

Step-by-Step Guide

Method 1 — Through Metropol CRB

• Visit the Metropol CRB portal or download the Metropol Crystobol app.

• Register using your ID number and phone number.

• Pay the registration fee via M-Pesa Paybill 220388 (use your ID as account number).

• After clearing any listed arrears, request your clearance certificate.

• Pay the certificate fee (around KES 2,200) and download it from the portal or app.

Method 2 — Through TransUnion CRB

• Download the TransUnion Nipashe app or dial *433# on your phone.

• Register with your ID and verify details as prompted.

• Pay the clearance certificate fee via M-Pesa Paybill 212121.

• Once processed, download your clearance certificate from the app or receive it via email.

Method 3 — Through Creditinfo CRB

• Visit the Creditinfo Kenya website.

• Fill in the online application form for clearance.

• Provide supporting documents like your ID copy.

• Make payment as instructed for the clearance certificate.

• The certificate will be sent to your registered email.

Method 4 — Physical Application at CRB Offices

• Visit any of the licensed CRB offices in Nairobi or other towns.

• Carry your original national ID and copies.

• Clear any pending obligations if required.

• Pay the certificate fee on-site and collect your certificate.

Important Notes & Tips

• The clearance certificate is only issued once you have no outstanding negative listings.

• If you still have unpaid loans, the CRB will instead issue you with a credit status report, not a clearance.

• Certificates are valid only as of the date issued — they do not guarantee future credit behavior.

• Keep soft and printed copies, as many institutions request them during vetting.

Why This Matters

Your CRB clearance certificate is often a requirement for jobs, tenders, or loan applications. Having it shows institutions that you are financially responsible and trustworthy.

FAQs

How much does a CRB clearance certificate cost in Kenya?
It costs about KES 2,200, though the exact fee may vary slightly between CRBs.

Can I get a clearance certificate if I still owe a loan?
No, you must first clear your arrears before CRB can issue you a clearance.

How long does it take to get the certificate?
Usually within 1–3 working days after payment and confirmation of cleared status.

Is the clearance certificate the same as a credit report?
No. A clearance certificate confirms no negative listings, while a credit report shows your full borrowing history.

Do I need to visit the CRB office to apply?
Not always. Most CRBs allow you to apply and download your certificate online or via mobile app.