This chapter analyzes how innovative lending solutions (FinTech) are revolutionizing credit access to underserved populations in sub-Saharan Africa, a case of Kenya. The traditional financial corporations limit small businesses and entrepreneurs in these areas due to a lack of collateral, poor credit history, and the high operational costs associated with rural banking. These limitations hinder economic growth. FinTech platforms such as peer-to-peer (P2P) lending and microcredit services are addressing these gaps by leveraging technology to link the borrowers and lenders. It also examines the operational models of these platforms, including their evolution from community-based financing to using mobile technology, alternative credit scoring methods and localized networks to provide loans to individuals who might otherwise remain unbanked. P2P lending platforms such as Chamas, M-Pesa, and microcredit services have boosted financial inclusion by expanding loan approvals by 40%. Additionally, M-Kopa has unlocked over $1.5 billion in credit, impacting over 23 million people. The paper also assesses the impact of these solutions on local economies, especially enabling small businesses to grow, create jobs, and broaden household incomes. We also highlight the challenges these platforms face, such as regulatory hurdles, digital literacy gaps, and the risk of debt traps among borrowers and present policy recommendations on how these FinTech platforms can stimulate economic growth in Africa.