Zash (also Meta Loan) is a loan app run by Zillions Credit Limited, a digital credit provider licensed by the Central Bank of Kenya (CBK). It appears in CBK’s September 2026 directory with a licence date of March 6, 2024.
At a glance
| Lender (licensed name) | Zillions Credit Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed March 6, 2024 |
| Loan amounts (published) | Zash KES 500 – 100,000; Meta Loan KES 1,000 – 80,000 |
| Repayment term (published) | Zash up to 91 days; Meta Loan 91 – 365 days |
| APR / cost (published) | Zash 274% – 1,500%; Meta Loan max 48% |
| Other fees and terms | Representative Zash example: 45% interest on a 61-day KES 15,000 loan |
| Customer contact (per CBK) | 0725013031 · info@zashloan.com |
| Office (per CBK) | Omega Business Park, Go Down 2, Baba Dogo, Nairobi |
The terms are what the lender publishes on its Google Play listing; your actual limit, rate and fees are set by its credit scoring and shown in the app before you accept a loan. Terms not listed above are not published.
Repayment calculator
Prefilled with 48% a year for 91 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- Zash Loan-Digital Loans Kenya – Google Play, 10M+ downloads, updated Sep 29, 2026
- Meta Loan-Get money directly – Google Play, 5M+ downloads, updated Sep 6, 2026
We checked Google Play only. Download only the listing whose developer matches the lender, and check the lender is in CBK’s directory before borrowing.
Terms as published by the lender
- Loan Amount: Ksh500 to Ksh100,000 (subject to eligibility assessment).
- Loan Term: Customers may apply for loan products with repayment periods of up to 91 days, depending on the loan product offered and their eligibility.
- Representative APR Range: 274%–1,500% per annum, depending on the loan product, repayment period and applicable interest rate.
- Loan Amount: Ksh 15,000
- Loan Term: 61 days
- Applicable Interest Rate for this Representative Example: 45%
- Total Interest Charge: Ksh 6,750
- Total Amount Due: Ksh 21,750
- Loan Amount: KSh 1000 – KSh 80,000
- Tenure: 91 days – 365 days
- maximum APR: 48% per year
- For example:for loans of ksh 20,000 with a term during 91 days, the fees charged are as follows:
- Monthly interest rate ： 48% / 12 = 4%
- Monthly interest ： ksh 20,000 * 4% = ksh800
- Total monthly payment ：ksh20,000 / 3 + ksh 800 = ksh7467
How to apply
Install the app from the official listing above, register with your phone number and ID as the app asks, and review the loan offer: it must show the amount, the total cost and the due date before you accept. Loans are usually sent to M-Pesa. Repay through the app or the paybill shown in it. Late repayment can lead to penalties stated in your offer and to listing with a credit reference bureau.
Frequently asked questions
Is Zash (also Meta Loan) licensed by CBK?
Yes. Zillions Credit Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed March 6, 2024.
How much can I borrow on Zash (also Meta Loan)?
The lender publishes: Zash KES 500 – 100,000; Meta Loan KES 1,000 – 80,000. Your limit depends on its assessment.
How much does Zash (also Meta Loan) charge?
Published cost: Zash 274% – 1,500%; Meta Loan max 48%. Representative Zash example: 45% interest on a 61-day KES 15,000 loan
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Zash Loan-Digital Loans Kenya – Google Play listing (checked 13 Oct 2026)
- Meta Loan-Get money directly – Google Play listing (checked 13 Oct 2026)
More: All CBK-licensed loan apps · Cheapest loan apps compared · All 281 CBK-licensed digital lenders · CRB guide
