ZK Pesa is a loan app run by Chapeo Capital 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) | Chapeo Capital Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed March 6, 2024 |
| Loan amounts (published) | KES 2,000 – 100,000 |
| Repayment term (published) | 91 – 365 days (incl. extension) |
| APR / cost (published) | 12% – 36% |
| Other fees and terms | Service fee KES 0 |
| Customer contact (per CBK) | +254207905106 /+254207905107 · info@chapeo.club |
| Office (per CBK) | Wallstreet Business Park, Godown No. 10. ICD Road-Off Mombasa Road |
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 36% 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
- ZK Pesa- Instant Loan Solution – Google Play, 5M+ downloads, updated Sep 28, 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: From Ksh 2,000 to Ksh 100,000
- Minimum Loan Repayment Period: 91 days including loan extension
- Maximum Loan Repayment Period: 365 days including loan extension
- Maximum APR: 36%
- Minimum APR: 12%
- Service Fee = Ksh 0
- Loan Amount = Ksh 5,000
- Loan Period = 91 days
- Service Fee = Ksh 0
- Annual Interest Rate = 18.1%
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 ZK Pesa licensed by CBK?
Yes. Chapeo Capital Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed March 6, 2024.
How much can I borrow on ZK Pesa?
The lender publishes: KES 2,000 – 100,000. Your limit depends on its assessment.
How much does ZK Pesa charge?
Published cost: 12% – 36%. Service fee KES 0
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- ZK Pesa- Instant Loan Solution – 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
