What is Zofi Cash and how does it work?

Zofi Cash is a digital financial platform that provides instant salary advances to employees before payday. Employees request up to 50% of their monthly net income through the mobile app, with approval from their employer and funds transferred to their mobile money account in two minutes. Fees range from 3-12% based on how many days before payday the advance is requested.

How much does Zofi Cash cost?

Zofi Cash operates as a salary advance platform where interest/fees vary depending on the advance duration and employer agreement rather than a flat subscription model.

What countries does Zofi Cash operate in?

Zofi Cash operates in Uganda and Kenya.

How do I sign up for Zofi Cash?

Open a free account through the mobile app. Get registered and approved by your employer to access salary advances.

Does Zofi Cash have a mobile app?

Yes, Zofi Cash is available on Android.

Who is Zofi Cash best suited for?

Zofi Cash is best suited for salaried employees in Uganda who need financial support between paychecks.

How do I contact Zofi Cash support?

You can contact Zofi Cash support via email at info@zoficash.com or phone at +1 818 272 9383 (also 0800200503 in Africa offices).

Zofi Cash

🇺🇬 Uganda 🇰🇪 Kenya

A digital platform in Uganda that offers salaried employees instant salary advances up to 50% of net pay, with 24/7 mobile money transfers via employer approval.

Use it on:Web Android· 2.3

Zofi Cash is a digital financial platform in Uganda that helps salaried employees handle urgent expenses before payday by offering instant salary advances through employer-approved access.

Key capabilities include:

Salary advances up to 50% of monthly net income, requested anytime to cover short-term cash needs
24/7 applications and instant transfers sent to a user’s mobile money account
Fully digital requests through app or web registration, with no paperwork or long forms
Employer payroll integration and approval, enabling advances to be issued based on verified salary information

Available on Web and Android.

The product follows a B2B2C model, serving employees as end-users while relying on employer partnerships for approval and payroll connection.

It is notable in the Ugandan market for focusing on on-demand access to earned salary and employer-connected disbursements. The company was founded in 2020 and has participated in Startup Wise Guys SaaS Africa 2022, with employer use cases referenced by HR at Turibamwe Group Limited.

As of Jun 29, 2026, Zofi Cash is rated 2.3 on Google Play from 186 reviews with 100K+ installs.

Phone:+1 818-272-9383

Social Links:

Categories:

Fintech

Features & Business Model:

b2b2c lending mobile-money payroll saas