Zuri Loan App or Zuri Cash is a digital lending platform that has been associated with online cash loans for Kenyan borrowers. The platform offers loans starting from small amounts and repayment periods extending up to several months.
According to information associated with Zuri Cash, its cash-loan product offers KSh 500 to KSh 40,000, repayment periods of 91 to 360 days, annual percentage rates (APR) ranging from 18% to 36%, and a 0% transaction fee.
However, prospective borrowers should carefully check the actual loan offer displayed before accepting it because loan limits, pricing, eligibility requirements and other terms can change.
Zuri Loan App at a Glance
| Feature | Zuri Cash Loan |
|---|---|
| Loan amount | KSh 500 – KSh 40,000 |
| Loan term | 91 – 360 days |
| APR | 18% – 36% |
| Transaction fee | 0% according to the supplied product information |
| Disbursement | Mobile/electronic account according to available information |
| Target market | Kenya |
| Application | Online/mobile application |
| Identification | Valid identification required |
| M-Pesa | Advertised as a supported account/payment channel |
| Customer care | 0207905232 |
| contact@zuricash.live | |
| Website | support.zuricash.live |
Loan terms should always be confirmed on the actual application before accepting a loan.
What Is Zuri Cash?
Zuri Cash, sometimes referred to as the Zuri Loan App, presents itself as a Kenyan fintech platform providing online micro and consumer financing.
Its website says the service is designed to allow customers to complete an online loan application without visiting a physical office. The website also describes the platform as providing fast applications, online processing and electronic disbursement.
The information currently available online is not completely consistent, however. For example, the Zuri Cash website has previously displayed different loan amounts, terms and eligibility information from the figures supplied for this 2026 review. Therefore, borrowers should rely on the current loan agreement and in-app disclosure rather than an old article or advertisement.
Zuri Cash Loan Amount and Repayment Period
The product information supplied for this review gives the following range:
- Minimum loan: KSh 500
- Maximum loan: KSh 40,000
- Minimum repayment period: 91 days
- Maximum repayment period: 360 days
- Minimum APR: 18%
- Maximum APR: 36%
- Transaction fee: 0%
Older online information has also described Zuri Cash loans of up to KSh 50,000, showing why it is important to verify the current limit shown to you before accepting a loan.
Zuri Cash Interest Rate Explained
Zuri Cash’s advertised APR range is 18%–36%.
APR is important because it provides a way of expressing the annualized cost of borrowing. However, borrowers should not assume that the maximum or minimum APR will automatically apply to every loan.
The actual cost can depend on the amount borrowed, repayment period and terms presented by the lender.
Example: KSh 5,000 for 91 Days
The example supplied for this review uses:
- Principal: KSh 5,000
- Loan period: 91 days
- Interest rate: 25%
- Transaction fee: 0%
Using the stated calculation:
Interest = KSh 5,000 × 25% ÷ 365 × 91
This produces approximately KSh 312.33 in interest.
Therefore:
Principal: KSh 5,000
Interest: KSh 312.33
Transaction fee: KSh 0
Total repayment: approximately KSh 5,312.33
The exact repayment amount should always be taken from the lender’s final disclosure because rounding and the lender’s calculation method can affect the amount.
Does Zuri Cash Charge a Transaction Fee?
The product information provided for this review states that the transaction fee is 0%.
That does not necessarily mean every possible cost associated with borrowing is zero. Before accepting an offer, check the complete loan disclosure for:
- Interest
- Processing or service charges
- Late-payment charges
- Extension charges
- Other applicable fees
- Total amount payable
- Repayment dates
A “zero transaction fee” should therefore not be interpreted as “free money.”
Zuri Cash Loan Requirements
The supplied requirements for the Zuri Cash product include:
- Kenyan citizenship
- Age between 20 and 60 years
- An active M-Pesa account
- Stable employment or a reliable ability to repay
- Valid identification
There is some inconsistency in publicly available Zuri Cash information. The Zuri Cash website has previously stated an age range of 18–60, while other product information has stated 20–60.
For this reason, applicants should check the eligibility criteria displayed by the current service before proceeding.
How Does the Zuri Cash Loan Process Work?
The platform describes a digital application process. In general, the process involves:
- Accessing the Zuri Cash application.
- Creating or registering an account.
- Providing the requested personal and identification information.
- Completing the loan application.
- Reviewing the loan amount, interest and repayment terms offered.
- Waiting for the lender’s decision.
- If approved, receiving the funds through the payment channel specified by the lender.
- Repaying according to the agreed schedule.
Zuri Cash’s website says applications can be completed online and that customers receive an approval decision after submitting their application.
Important: Do not accept a loan simply because the application is quick. Always read the final offer and confirm the total repayment amount first.
Does Zuri Cash Send Loans to M-Pesa?
Available Zuri Cash information has described electronic/mobile disbursement, while the product information supplied for this article specifically identifies M-Pesa as an account requirement.
The exact disbursement method should therefore be confirmed inside the current application before submitting an application.
If the application shows a different receiving account or payment procedure, follow the official instructions displayed in your loan agreement rather than relying on information from third-party websites.
Zuri Cash Advantages
Based on the advertised product features, some notable characteristics include:
1. Online Application
The platform is designed around digital loan applications, meaning customers do not necessarily need to visit a physical branch.
2. Relatively Long Repayment Period
The advertised repayment period of 91–360 days is considerably longer than some short-term digital credit products.
3. No Stated Transaction Fee
The supplied product information states a 0% transaction fee.
4. Small Starting Loan
The advertised minimum of KSh 500 may make the product relevant to borrowers looking for a relatively small amount, subject to eligibility and approval.
5. Digital Processing
Zuri Cash advertises online application and fast processing. Its website says applicants can receive an application decision within minutes and describes electronic disbursement.
Things to Check Before Taking a Zuri Cash Loan
Before borrowing, consider the following:
Check the Total Cost
Do not look only at the advertised APR. Check the actual total amount payable shown in your offer.
Check the Due Date
A 91-day or longer repayment period does not mean repayment can be delayed indefinitely. Missing payments can result in additional costs or other consequences under the loan agreement.
Verify the Lender
Kenya’s digital credit sector is regulated by the Central Bank of Kenya (CBK). CBK was given authority to license, regulate and supervise digital credit providers under the Central Bank of Kenya (Amendment) Act, 2021, with the Digital Credit Providers Regulations operational from March 2022.
Importantly, the August 14, 2026 CBK directory of licensed Digital Credit Providers does not show “Zuri Cash” under that trading name.
This alone does not establish that Zuri Cash is illegitimate, because a digital product may operate under a different legally registered or licensed company name. However, borrowers should identify the exact legal entity behind the product and verify it against the current CBK directory before borrowing.
Do Not Pay an Unverified Upfront Fee
Be particularly cautious if somebody claiming to represent a lender asks you to send money first to “unlock,” “activate,” “insure” or “process” a loan.
Verify such requests directly through the lender’s official channels.
Is Zuri Loan App Legit or a Scam?
This is one of the most common questions people ask about new loan apps.
Our review does not label Zuri Cash a scam or declare it legitimate solely from its website and advertised loan terms.
The more useful question is whether the specific company operating the product can be independently verified and whether its current lending activity complies with Kenyan requirements.
There is a particularly important regulatory point in 2026: the current CBK directory should be checked using the legal company name, not only the app or brand name. The latest directory available from CBK is dated August 14, 2026.
Zuri Cash also appears in an older Office of the Data Protection Commissioner document concerning digital lenders subject to a data-protection audit. That document dates from 2022 and should not be interpreted as a finding that Zuri Cash was a scam or had breached data-protection law.
What Borrowers Should Verify
Before accepting a Zuri Cash loan, verify:
- The legal name of the lending company
- Its current CBK licensing position, where applicable
- The current loan agreement
- Interest rate and calculation method
- Total repayment
- Due date
- Late-payment terms
- Privacy/data-processing information
- Official customer-care contacts
- Whether the app requests permissions that are necessary and clearly explained
Zuri Cash Customer Care Contacts
According to the Zuri Cash website, the customer support details include:
Phone: 0207905232
Email: contact@zuricash.live
Website: support.zuricash.live
The website identifies an address at MVC8, Sameer Industrial Park, Road C, Nairobi, Kenya.
If you need help with an existing account, use the contact information displayed within the current app and loan agreement as well as the official website.
Zuri Cash Privacy and Personal Data
Loan applications generally involve personal and financial information, so data protection is an important consideration.
Zuri Cash’s published privacy policy says that it does not sell users’ personal data and describes procedures for handling privacy-related requests.
Nevertheless, borrowers should read the current privacy policy before providing sensitive information such as identification documents, contact information or financial details.
Zuri Cash vs Other Kenyan Loan Apps
Zuri Cash is one of many digital credit products available to Kenyan consumers. Other lenders have different loan limits, costs, repayment periods and regulatory arrangements.
Instead of choosing an app simply because it advertises “instant loans” or “easy approval,” compare:
| Factor | What to Compare |
|---|---|
| Loan amount | Minimum and maximum available |
| APR | Annualized borrowing cost |
| Total repayment | Actual amount you will pay |
| Term | Number of days/months |
| Fees | Processing, transaction and other charges |
| Late fees | Cost of missing a payment |
| Licensing | Legal lender and regulatory status |
| Data privacy | Information collected and how it is used |
| Customer support | Official phone/email channels |
Frequently Asked Questions About Zuri Loan App
What is Zuri Loan App?
Zuri Loan App, commonly called Zuri Cash, is an online lending platform associated with digital loans for Kenyan users.
How much can I borrow from Zuri Cash?
The product information supplied for this review gives a loan range of KSh 500 to KSh 40,000. Older online information has listed limits of up to KSh 50,000, so borrowers should confirm the current limit shown in the application.
What is the Zuri Cash interest rate?
The supplied product information states an APR range of 18% to 36%.
How long is the repayment period?
The advertised term is 91 to 360 days.
Does Zuri Cash charge a transaction fee?
The product information supplied for this review states a 0% transaction fee. Other charges, if any, should be checked in the final loan agreement.
Can I receive Zuri Cash through M-Pesa?
Zuri Cash information has referenced mobile/electronic disbursement, while the supplied requirements specify an M-Pesa account. Confirm the exact disbursement method in the current application.
Is Zuri Cash licensed by CBK?
The August 14, 2026 CBK directory does not list “Zuri Cash” under that brand name. Because a brand can differ from a legal entity, this should be verified using the company’s exact legal name before borrowing.
What age is required for Zuri Cash?
The product information supplied for this review states 20–60 years, although the Zuri Cash website has previously displayed 18–60 years. Check the current eligibility criteria before applying.
Does Zuri Cash require identification?
Yes. The supplied requirements include valid identification.
How do I contact Zuri Cash?
The published contact details are 0207905232 and contact@zuricash.live.
Final Takeaway
Zuri Cash is a digital lending platform that has advertised relatively small loans, repayment periods of up to 360 days and APRs ranging from 18% to 36%. The product information supplied for this review also states that there is no transaction fee.
However, loan terms and regulatory information should be verified before borrowing. In particular, the latest CBK directory dated August 14, 2026 does not list “Zuri Cash” by that brand name, so prospective borrowers should establish the exact legal entity behind the product and verify its regulatory status where applicable.
A loan should only be accepted after checking the total repayment amount, applicable fees, repayment schedule, privacy terms and consequences of late payment.
Disclaimer: This article is for informational purposes and is not financial advice. Loan products, interest rates, eligibility requirements and regulatory status can change. Always confirm the current terms directly from the lender and relevant Kenyan authorities before entering into a credit agreement.