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Zash Loan review: licence, real cost and what to check

Zash is licensed by CBK. It is also one of the more expensive ways to borrow. Here is what its own listing says a loan costs.

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by Reviewed by Michael Mwangi 5 min read Updated 25 October 2026Verified 25 Oct 2026

Zash is a licensed lender, and an expensive one. Its own Google Play listing gives a representative APR of 274% to 1,500% a year. That range is the price of fast, unsecured money with no paperwork. If you can wait a day or two, cheaper options exist.

What a Zash loan costs

Zash publishes one worked example on its Play listing:

  • Loan: KSh 15,000 over 61 days
  • Interest rate for the example: 45%
  • Interest: KSh 6,750
  • Total to repay: KSh 21,750, in two instalments of KSh 10,875

Zash says no processing fee is charged unless it is shown to you before you accept. Your own rate depends on the product and your history, and the app shows the amount, interest, any fees, the total and the due dates before you accept. Read that screen. You are not obliged to take the offer.

Limits, terms and who qualifies

  • Amount: KSh 500 to KSh 100,000, subject to assessment (Play listing and zashloan.com). The FAQ on zashloan.com says first loans start at KSh 500 and can grow to KSh 50,000 as you repay on time.
  • Term: up to 91 days, depending on the loan product.
  • Who can apply: Kenyan residents aged 18 to 60 with a source of income (zashloan.com says 18 to 60; the Play listing says at least 18).
  • Payout: to M-PESA once approved.
  • Repayment: through M-PESA, using the paybill and account shown in the app, or M-PESA Express from inside the app. Check the business name on the M-PESA screen before you enter your PIN.
  • Paying late: the FAQ on zashloan.com says late repayments attract late interest of 2.5% a day. On a loan that is already expensive, a few days late adds up fast.

How widely used it is

Google Play showed Zash Loan with 10M+ downloads and a 4.4-star rating from about 245,000 reviews on 25 October 2026. The listing was last updated on 29 September 2026.

CRB and your data

Zash says it may share your information with licensed credit reference bureaus where the law permits or requires it. If you fall behind, the CBK rules require a warning before any negative listing, and a default of KSh 1,000 or less cannot be listed at all. More in what happens after a missed loan payment.

Our view

Zash is legitimate: the licence is real and current on CBK's directory. Use it only for a short gap you can close quickly, borrow the smallest amount that solves the problem, and repay early. For anything over a few weeks, a bank, SACCO or check-off loan will usually cost much less.

Frequently asked questions

Is Zash Loan licensed by CBK?

Yes. Zillions Credit Limited, the company behind Zash Loan, is in the Central Bank of Kenya Directory of Digital Credit Providers updated on 29 September 2026, with a licence date of 6 March 2024 and info@zashloan.com as its email.

How much interest does Zash charge?

Zash prices each borrower separately. Its Google Play listing gives a representative APR range of 274% to 1,500% a year, and an example where a KSh 15,000 loan over 61 days carries 45% interest, so you repay KSh 21,750.

How much can I borrow on Zash?

The Play listing and home page say KSh 500 to KSh 100,000, depending on your assessment. The FAQ on zashloan.com says first loans start from KSh 500 and can grow to KSh 50,000 as you repay. Your first limit will be at the low end.

How long do I get to repay a Zash loan?

Up to 91 days, depending on the product you are offered. The amount, due dates and total repayment are shown in the app before you accept.

What happens if I pay Zash late?

The FAQ on zashloan.com says late repayments attract late interest of 2.5% a day, and that after a long overdue loan you can try borrowing again after about a week. Repay on or before the due date shown in the app.

Does Zash report to CRB?

Zash says information may be shared with licensed credit reference bureaus where the law permits or requires it. Licensed digital lenders must warn you before a negative listing.

Sources

  1. Central Bank of Kenya, Directory of Digital Credit Providers, updated 29 September 2026 (entry 281, Zillions Credit Limited).
  2. Zash Loan on Google Play (developer Zillions Credit Limited), read 25 October 2026.
  3. zashloan.com home page and FAQ, read 25 October 2026.

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