PesaIn, ZeloCash and Fiza is a loan app run by Wabema Credit Ltd, 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 June 5, 2025.
At a glance
| Lender (licensed name) | Wabema Credit Ltd |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed June 5, 2025 |
| Loan amounts (published) | PesaIn KES 1,000 – 150,000; ZeloCash KES 1,000 – 200,000; Fiza KES 800 – 100,000 |
| Repayment term (published) | 91 – 120 days (ZeloCash up to 180) |
| APR / cost (published) | PesaIn 18.5% – 65.5%; ZeloCash 14.6% – 43.8%; Fiza 16% – 65.5% |
| Other fees and terms | PesaIn example includes a 5% service fee |
| Customer contact (per CBK) | +2540207901111 · wabemacredit@gmail.com |
| Office (per CBK) | One Padmore, George Padmore Rd., Kilimani |
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 65.5% 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
- PesaIn-You Choose the Due Date – Google Play, 1M+ downloads, updated Aug 27, 2026
- ZeloCash – Quick & Easy Loans – Google Play, 100K+ downloads, updated Sep 16, 2026
- Fiza – Google Play, 100K+ downloads, updated Sep 16, 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
- PesaIn – Your Pocket Financial Assistant. Get Funds Easily with Terms Up to 120 Days!
- 3. Simple & Transparent Charges: There are no hidden fees. All charges and interest rates are clearly stated, so you can borrow with complete peace of mind.
- 7. Credit Limit Upgrade: Repay on time to raise your credit limit and gain access to larger loan amounts effortlessly.
- Loan Amount: KES 1,000 (minimum) – KES 150,000 (maximum)
- Repayment Term: 91 days (minimum) – 120 days (maximum)
- Annual Percentage Rate (APR): 18.5% (minimum) – 65.5% (maximum)
- Take out a 91-day loan of KES 10,000 at an annual interest rate of 28%, with a 5% service fee:
- Loan Principal: KES 10,000 (91 days)
- Total Interest: KES 700 (KES 10,000 × 28% × 91 ÷ 365)
- Total Service Fee: KES 500 (KES 10,000 × 5%)
- Minimum loan amount: KES 1,000
- Maximum loan amount: KES 200,000
- Minimum term: 91 days
- Maximum term: 180 days
- Minimum APR: 14.6%
- Maximum APR: 43.8%
- 3. Choose the loan amount and term
- 4. Review the fees and submit the application
- Loan amount: KES 20,000
- Loan term: 180 days
- Loan Amount: KES 800 – KES 100,000
- Repayment Term: 91 – 120 days (The actual loan term is subject to the final approval)
- Annual Percentage Rate (APR): Min 16% – Max 65.5%
- For a loan of KES 10,000 for 91 days at 28% APR:
- Total interest: KES 700
- Total repayment amount: KES 10,700
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 PesaIn, ZeloCash and Fiza licensed by CBK?
Yes. Wabema Credit Ltd is in CBK’s Directory of Digital Credit Providers (September 2026), licensed June 5, 2025.
How much can I borrow on PesaIn, ZeloCash and Fiza?
The lender publishes: PesaIn KES 1,000 – 150,000; ZeloCash KES 1,000 – 200,000; Fiza KES 800 – 100,000. Your limit depends on its assessment.
How much does PesaIn, ZeloCash and Fiza charge?
Published cost: PesaIn 18.5% – 65.5%; ZeloCash 14.6% – 43.8%; Fiza 16% – 65.5%. PesaIn example includes a 5% service fee
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- PesaIn-You Choose the Due Date – Google Play listing (checked 13 Oct 2026)
- ZeloCash – Quick & Easy Loans – Google Play listing (checked 13 Oct 2026)
- Fiza – 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
