Abstract: The studys general objective was to establish the factors that influence access to credit for MSMEs in Ruiru Sub County. Specifically, the study set out to determine the influence of cost of credit, financial information asymmetry, type of lending institution, and credit reference bureau on access to credit for MSMEs in Ruiru Sub County in Kenya. The study adopted a descriptive research design. The target population was 590 MSMEs registered for operations in Ruiru Sub County for the year 2021.