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How to Get Money on Zash Loan App in Kenya

Zash Loan is a digital lending platform in Kenya that offers instant mobile loans with no documents and no collateral required. The app is built for Kenyans who need quick credit to grow businesses, handle emergencies, or cover everyday expenses. Once approved, funds are sent directly to M-PESA, often within a minute.

This guide explains what Zash Loan is, how to download the app or APK file, how to apply online, requirements, loan features, repayment methods, and how it compares with other loan apps in Kenya.

Zash loan app Kenya
Zash loan app Kenya 

Read Also; How to get money from Creditmoja loan app in Kenya via M-Pesa 

What Is Zash Loan App?

Zash Loan is a mobile-based loan app that provides fast, unsecured personal loans to eligible Kenyan residents. The entire borrowing process is paperless and completed on your phone, eliminating the need for bank visits, guarantors, or physical documents.

Loans are available 24/7, making Zash Loan suitable for urgent financial needs where speed and convenience matter.

How to Download Zash Loan App

Zash Loan can be accessed on Android smartphones in two ways:

Downloading the App

Search for Zash Loan App on supported Android app stores, install it on your phone, then open the app and register using your mobile phone number.

How to Get the Zash Loan APK File

If the app is not available on your app store, you can install it using the APK file. Download the Zash Loan APK from a trusted official source, enable Install from Unknown Sources in your phone settings, install the app, and proceed with registration. Always use reliable sources to avoid fake or malicious apps.

How to Apply for a Loan on Zash Loan App

Applying for a Zash Loan is simple and fully online:

  1. Download and open the Zash Loan app

  2. Register using your mobile phone number

  3. Fill in your personal and income details

  4. Choose your preferred loan amount and repayment period

  5. Submit the application

  6. If approved, receive funds directly to your M-PESA

No physical documents, guarantors, or collateral are required.

Zash Loan Requirements

To qualify for a loan from Zash Loan, you must:

  • Be a Kenyan resident

  • Be aged 18 to 60 years

  • Have a source of income

  • Own an active M-PESA registered phone number

Zash Loan does not require a credit report check, making it accessible even to borrowers with limited credit history.

Zash Loan Features

Zash Loan offers flexible loan products designed for different financial needs:

  • Loan Amount: KSh 500 – KSh 200,000

  • Maximum Loan Limit: KSh 200,000

  • Loan Period: 91 days – 365 days

  • Interest Rate: Maximum APR of 25% per year

  • Disbursement: Instant M-PESA transfer (often within 1 minute)

  • Availability: Nationwide across Kenya

  • Credit Growth: Loan limits increase with good repayment history

  • Loan Extension: Available when you need more time to repay

Zash Loan Cost Example

For a KSh 20,000 loan for 91 days:

  • Monthly interest rate: 25% ÷ 12 = 2.08%

  • Monthly interest: 20,000 × 2.08% = KSh 416

  • Monthly payment:

    • Principal: 20,000 ÷ 3 = KSh 6,666.67

    • Interest: KSh 416

    • Total monthly payment: KSh 7,082.67

Total repayment amount:
KSh 20,000 + (20,000 × 2.08% × 3) = KSh 21,248

Why Loan from Zash Loan App?

Zash Loan stands out in Kenya’s mobile lending market because it offers:

  • No credit report requirement

  • No paperwork or physical documents

  • No collateral or guarantors

  • 24/7 access to loans

  • Instant M-PESA disbursement

  • Increasing loan limits with good repayment

  • Flexible repayment options

  • Option to apply for loan extension

How to Repay Zash Loan

Zash Loan repayments are made through M-PESA using two options:

M-PESA Paybill

  • Paybill Number: 733555

  • Account Number: Your registered phone number

  • Enter the amount and confirm using your M-PESA PIN

In-App M-PESA Express

  • Select the repayment option in the app

  • Enter the amount and confirm payment

Timely repayment improves your credit score and increases future loan limits.

Security and Data Protection

Zash Loan takes customer data protection seriously. All data is transmitted via secure HTTPS connections, and transactions are protected with 128-bit SSL encryption. Customer information is not shared without consent, except where required by lenders.

Zash Loan Compared to Other Loan Apps in Kenya

Compared to apps like Tala and Zenka, Zash Loan offers higher maximum loan limits and longer repayment periods, making it more suitable for borrowers who want to spread repayments over several months. While Branch relies heavily on credit scoring and app permissions, Zash Loan does not require a credit report, which appeals to users with limited credit history. Unlike Loop Pesa, which operates as a revolving credit line, Zash Loan provides structured personal loans with clear repayment timelines. These differences position Zash Loan as a strong alternative for borrowers seeking flexibility and higher limits.

Zash Loan Contacts

For support or inquiries, you can reach Zash Loan through:

  • Email: cs@zashloan.com

  • Phone: 0709 462300 or 0111 008008

  • Address: One Padmore Place, George Padmore Road, Nairobi City, Kenya

Final Thoughts

Zash Loan is a practical choice for Kenyans looking for instant, unsecured mobile loans with flexible repayment periods and competitive annual interest rates. With no documents, no collateral, fast M-PESA disbursement, and loan limits that grow with good repayment, Zash Loan competes well with other popular loan apps in Kenya and is especially suitable for emergencies, shopping, and small business financing.

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Location: Kenya

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