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How to apply and qualify for a zash loan 2024: Complete guide to download, register, and repay

Do you need to apply and qualify for a cash mobile loan fast on your phone? Then one of the best apps to use in Kenya is the zash loan app. Here we show you how to apply and borrow money quickly online using zash and the cash sent to your mpesa number wallet.

So, the process of applying for and getting a loan from Zash has three main steps. You will start by downloading the app, then register on Zash app, and finally, you sign in and apply for an mpesa cash loan.

When you download and install Zash loan app follow this step by step guide to get the loan directly sent to your phone. It is available on Android.

How to apply for a Zash loan

Now let’s take you step by step on how to apply for a ‘ zash ‘ loan for the first time.

Step 1: Open google play store.

Step 2: Search for Zash loan app.

Step 3: Select ‘ Zash Loan- Get money instantly ‘ and press Install. Wait for the app to download and install on your phone. See this complete step by step on how to download and install Zash on your phone.

Step 4: Open the zash loan app.

Step 5: Agree to the terms and conditions and permissions.

Step 6: Now allow Zash loan app to access the following permissions on your phone by pressing Allow; Contacts, Make and manage phone calls, Access your calender, Access this device’s location and Send and view SMS.

Step 7: Begin the registration process by Entering your number, verification code, and a password.

To get a detailed step by step on how to verify on register on Zash, click here to see the guide.

Step 8: Press apply now.

Step 9: Fill in the registration form.

Also, to increase your chances of qualifying for a loan, complete the registration process correctly. If you have finished the process, continue below.

Step 10: Agree to the terms and conditions and press Get my Loan.

Step 11: Next, press Loan.

Note: if it’s your first time applying for a Zash loan, you’ll be asked to ‘ Take a selfie ‘ to ensure the security of your account. Click here to see details on how to take selfie.

Step 12: Confirm the loan summary details which are ‘ Received amount’, Loan amount, service Fee, mpesa account, Estimated due date.

Step 13: select ‘ I accept loan agreement ‘

Step 14: Press Loan button.

Step 15: Next, your loan order will be successfully submitted.

To see the loan details, press ‘ View order detail ‘

Step 16: Now, wait a few minutes. Your loan will go under review.

Step 17: Next, your loan status will go to ‘ Loan approved ‘ in green.

If it hasn’t shown yet, refresh the home screen or close and open the app.

Step 18: Go to your messages, and you’ see an Mpesa message and a Zash SMS confirming loan from Zash loan app

Step 19: Finally, you have your loan sent to your phone directly to mpesa from Zash loan app.

That’s it for your application for zash loan. To succesfully and quickly get a loan, make sure you have completed the registration for Zash loan. 

Sometimes you may have a challenge when using the Zash loan app, feel free to check out this article that solves some of the problems.

How to download zash loan app and install it on your phone

Here are the steps to follow to download zash loan app on your phone and apply for cash.

Step 1: Open the google play store on your phone.

Step 2: Type Zash loan app and press enter.

Step 3: Select the ” Zash loan app – Get money instantly ” and press install. This will download and install the app on your phone.

Step 4: Wait for Zash to download and install on your phone. The download will complete and it will install automatically.

Step 5: Now, press open to start using zash. Once you open the Zash loan app, proceed to register, fill in registration form and then apply for a cash loan.

To apply and qualify for a mobile loan, you have to first download and install Zash on your phone. Once this is complete, you can now start applying for a loan that will be sent to your mpesa account.

But before you start applying for the loan, you need register and fill in the digital registration form correctly and accurately. See how to do so below.

How to register for Zash loan app account and start to apply for cash

Here is how to register for a zash account step by step.

Once you open the Zash loan app, you will need to agree to the terms and conditions. Once you do that, give the app the necessary permissions and start registering.

Step 1: Open the Zash loan app, and Enter your mobile number.

Step 2: Next, get verification code.

You get the verification code by pressing send. A count down will start. Check your SMS for a Zash verification code that will be sent to your mobile phone.

Step 3: Enter the verification code.

Step 4: Choose a password, enter your password.

Step 5: Agree to the ‘ Service and conditions ‘

Step 6: Press Get my loan.

Next, you will need to start the application process of your loan by filling the Zash digital registration form. Get the step by step of how to successfully fill in your details in the registration form by clicking here.

After downloading and installing the ‘ zash loan app ‘, you must register an account on the app.

The reason you need to register on the loan app is so that you can open your account. This account will now enable you to borrow a loan in form of cash that will be sent directly to your mpesa wallet.

Yes, registration normally takes a few minutes, but this guide will take you through each and every step.

Note: Make sure that when you fill in the zash online registration form for your loan application, type your name as it appears on your national ID. When this is done incorrectly, zash loan app in the registration process will show you an error ‘ names do not match’.

How to pay zash loan via mpesa – repay through paybill no

Time to repay your borrowed loan from zash. You can pay back the loan either using the app or using the zash paybill no by following these steps.

Step 1: Open the ‘ zash loan app ‘ and sign in (make sure you are online)

Step 2: Enter your mobile number, press next, then enter your 4 digit PIN and Sign IN.

Step 3: Press Repayment.

Step 4: Select the REPAY NOW option.

Step 5: Next, confirm your Mpesa number to repay the loan

Step 6: Press Repayment button.

Step 7: Wait for M-pesa PIN to pop up, enter your mpesa Pin and press OK.

Step 8: You will see the repayment processing screen showing you that Payment Request submitted.

Step 9: Zash will send you an SMS from ZashLoanPro confirming your loan payment.

Step 10: Your total amount due will be updated to reflect that you have repaid your loan.

The zash loan payment is very easy to do because you can payback using mpesa directly from your phone.

Once you’ve borrowed money from zash there is a time period which you need to pay it back and this is called the repayment period.

For zash the repayment period varies from 7 days, 14 days, and 30 days. However, Zash can offer you up to 61 days to payback your loan if you repay your loans in good time and build up trust with the app.

To learn more about zash repayment period click here for a detailed breakdown.

Zash loan limit

When borrowing money from zash there is normally the most amount you can borrow and the least amount you can apply for. This is called the loan limit.

For zash, the minimum limit you can apply for is Ksh 500, while for the maximum you can apply for is Ksh 50,000.

If you start with a small limit for your first loan, there are ways in which you can increase it. Click here to see all the details about zash loan limit and how you can increase it.

What is the interest rate charged on a zash loan

When borrowing money from zash loan app you will be charged a fee for them lending you money. This fee is called the interest rate.

The zash loan interest is between 9% and 39%. This interest fee depends on the amount you are borrowing and also your credit score on CRB. In addition to interest rates, zash will charge a processing fee.

For the processing fee on zash loan app the amount is between Ksh 45 and Ksh 5,800 as a one time charge. This fee comes about as a facilitation for you getting the loan from zash.


“For example, for a 61-day loan with a principal amount of KSh 1,000, the interest fee would be KSh290 and the total amount due would be KSh 1,290.”

So, a processing fee for loan apps is the amount of a small fee charged by the money lending app to the customer for facilitating the loan. Often this amount is different from the interest rate they charge.

Zash loan repayment period

When it comes to repaying your loan, there is normally a time limit that is given. This is the loan repayment period.

For zash the loan repayment period ranges from 7 days to 61 days from the moment you receive the loan.

Zash rights and permissions

To use the zash loan app and start borrowing money, you will need to provide it with certain rights and permissions.

Why does the Zash require them?

This is because app permissions provide transparency. This way, this loan app gets your consent to access potentially sensitive information and tools. It requires these things so that it can function properly and to maximise your user experience.

Also, asking users for permission limits the liability for the ‘ zash ‘ if any problems arise.

Permissions Zash loan needs

Here are the permissions you’ll need to give Zash Loan app to start using it to apply for a loan.

Allow zash loan to access your:

  1. Contacts
  2. To make and manage phone calls
  3. To access your calender
  4. To access this devices location? ( Allow only while using the app )
  5. To send and view SMS messages?

Zash customer care, telephone and SMS contacts

Do you need to contact zash loan app customer care, here you will get the telephone number, SMS, email address, Facebook and others.

Website: Zash Loan Website.

Telephone number: +254111008008;

Email address: [email protected];

Facebook page: ZashLoan Facebook Page;

Twitter page: @;

Whatsapp: 0732896849.

That’s how to contact Zash to get assistance from the customer service team.


That is the complete process of applying for a Zash loan, registering an account and repaying for the loan. By going through this article, you’ve also seen the easy way of qualifying and getting cash sent directly to you android phone through mpesa.

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