Zash is a mobile-based digital lending platform developed by Kopakash Limited that provides instant personal loans to Kenyans. Reforming the way emergency funds are accessed, Zash delivers a completely paperless experience where borrowers can request and receive cash directly on their M‑Pesa account in as little as one minute after approval. Designed for residents aged between 18 and 60 who have a consistent income source, Zash offers loans ranging from KSh 500 up to KSh 200,000, making it ideal for small business funding, unexpected expenses, or daily financial gaps.

Key Features of Zash

• Instantaneous Loan Processing: Enjoy nearly immediate credit decisions and fast disbursement without needing to visit a bank.
• Paperless and Collateral-Free: The entire procedure, from application to approval, is carried out digitally with no collateral or paperwork required.
• Flexible Loan Amounts & Terms: Borrow small sums for emergencies or larger amounts for more substantial needs, with repayment tenors that fit your lifestyle.
• Transparent Fee Structure: Zash clearly states its interest rates (with a maximum APR around 25% per year in certain cases) and processing charges upfront, ensuring complete transparency.
• Robust Security: All transactions and personal data transfers employ 128‑bit SSL encryption, keeping your sensitive information safe.
• User-Centric Interface: The app is designed to simplify the loan process, making it accessible even for those with limited technical know‑how.

Eligibility Criteria

You may qualify for a Zash loan if you:

• Are a Kenyan resident between 18 and 60 years old.
• Have a stable source of income verified through your mobile money transactions.
• Possess a valid mobile device with internet access and an active M‑Pesa account.
• Meet any additional criteria set forth in the app registration process.

How to Register and Apply

Download the Zash App: Available on Google Play Store for Android devices, download and install the app.

Register Your Profile: Open the app, enter your personal details (including your mobile number, national ID, and photograph) and set up your secure login credentials.

Apply for a Loan: Navigate to the “Request Loan” section, check your current credit limit, and enter your desired loan amount ensuring it falls within your allowed limit.

Credit Assessment: Zash’s algorithm quickly evaluates your data, ensuring a fair decision based on your credit history and income indicators.

Fund Disbursement: Once approved, the loan amount is credited instantly to your registered M‑Pesa account.

How to Repay

Your Loan Repayment can be completed using:

M‑Pesa Paybill: Enter Zash’s dedicated paybill number (typically provided in your loan agreement) along with your mobile number as the account number.

In‑App Features: Some versions of the app allow you to track repayment progress and even set up automated payments.

Additional Considerations and Tips

Maintain Your Phone Records: Since Zash uses phone data for credit scoring, keeping your SMS and mobile transactions intact can help improve your loan limit in future applications.

Repay Promptly: A good repayment record not only avoids penalty fees but also boosts your credit score for higher future limits.

Customer Support: Zash offers 24/7 support through in‑app chat and email to address any queries or concerns during the application process.