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A Kenya-based digital lending app for M-PESA users to apply for mobile loans, receive funds to M-PESA, and repay via Paybill or in-app M-PESA.
Zash Loan Product Overview
Is Zash Loan Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- M-PESA users
- Personal loan borrowers
What It Does Well
- Mobile loan applications
- M-PESA cash disbursement
Things to Check
- Loan limits
- Repayment period options
About Zash Loan
Zash Loan is a Kenya-focused digital lending mobile app for individuals who want to apply for short- to medium-term loans and receive funds to an M-PESA account.
Key capabilities include:
- Mobile loan application in-app: users register with an M-PESA mobile number and provide details such as National ID, names matching the ID, place of work, and physical address.
- Loan amounts and terms: the website advertises KSh 800 to KSh 50,000 with repayment periods of 91 to 365 days; first loans can start from KSh 500 and can increase over time with early or on-time repayment.
- M-PESA disbursement and repayment: once approved, funds are sent to M-PESA; repayments can be made via M-PESA Paybill 733555 (using the borrower’s phone number as the account number) or through the app.
- Repayment management and promotions: late repayments incur 2.5% per day late interest (per the FAQ); the service also supports repayment extensions and app-based repayment/borrow coupons managed under a Bonus page.
Available on Android (Google Play). The website is informational and directs users to download the app.
Targeted at Kenyan consumers (including micro-business borrowers) who use M-PESA and need a fully digital loan option without relying on traditional credit records.
Notable in Kenya’s fintech market for its tight Safaricom M-PESA repayment flow, stated Central Bank of Kenya digital lender regulation, and its disclosure that it is a subsidiary of Zillions Credit Limited.
Zash Loan Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
Pricing & Fees
Variable pricingLoans: "up to KSh 50,000"; "Loan amount：KSh800 to KSh50000"; "First loans range from Ksh 500 and can grow up to Ksh 50,000". Late repayment: "late interest of 2.5% per day".
As of Oct 5, 2026, Zash Loan is rated 4.3 on Google Play from 243.8K reviews with 5M+ installs.
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Frequently Asked Questions About Zash Loan
Zash Loan is a Kenya-based digital lending mobile app that lets M-PESA users apply for short- to medium-term personal loans, receive the money directly in their M-PESA account, and then repay via M-PESA Paybill 733555 or through the in-app M-PESA option. You download the Android app, register with your M-PESA number and ID details, apply for a loan amount and term, and if approved the funds are disbursed to your M-PESA account and repaid over 91 to 365 days.
Zash Loan does not charge a sign-up fee, but your loan will accrue interest and may include other charges based on the loan terms you select. The app advertises a maximum APR of about 25% per year, and late payments can incur additional daily late interest, so your total cost depends on your loan amount, duration, and whether you repay on time.
Zash Loan currently operates in Kenya. Eligibility and all core features are tied to Kenyan IDs, Safaricom M-PESA numbers, and Kenyan regulatory requirements.
To sign up for Zash Loan, download the Zash Loan app from the Google Play Store on your Android phone, then register using your M-PESA-registered mobile number and provide details such as your National ID, matching names, place of work, and physical address. After registration, you can request a loan in the app and, if approved, receive funds to your M-PESA account.
Yes, Zash Loan is available on Android. Get Zashloan on Google Play for Android.
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