Abstract: Technological advancements in the financial sector have revolutionized the order of borrowing. Digital lending platforms have emerged, offering quick access to funds by many borrowers with no collaterals, no need for paperwork, complete and remote accessibility, and the use of digitized data to determine the creditworthiness of the borrowers. The purpose of this study was to investigate the relationship between digital borrowing and personal finance among students in selected Christian universities in Nairobi County, Kenya. The study used the financial intermediation theory, innovation diffusion theory, time preference theory, and the finance and inequality theory. A descriptive research design was utilized for primary and secondary data, and the primary data was collected using a questionnaire.