The rise of mobile lending apps has made it easier than ever to get financial help in times of need. One such promising app in the Kenyan loan market is the Ziada Loan App, also known as Ziada Oka Haraka Loan App.
Below is a comprehensive breakdown of what Ziada Loan App offers, its legitimacy, how to apply, interest rates, repayment process, and customer support options.
What is Ziada Loan App?
Ziada Loan App is a newly launched digital lending application in Kenya developed by Riom Co. Ltd. The app is designed to provide quick and accessible mobile loans to Kenyans without the need for physical paperwork or collateral.
The term “Ziada Oka Haraka” translates to “extra comes quickly” in Kiswahili, reflecting the app’s promise to offer fast credit solutions to users in times of financial emergencies. Whether you need money for school fees, business needs, medical bills, or personal expenses, Ziada Loan App offers a streamlined way to access funds directly to your M-Pesa account.
Is Ziada Loan App Legit?
Yes, Ziada Loan App is a legitimate lending platform in Kenya. It is owned and operated by Riom Co. Ltd, a registered business entity. While it may not yet be on the Central Bank of Kenya’s (CBK) approved list of digital lenders as of 2025, there are no public reports suggesting it is fraudulent or unsafe.
However, like all digital loan apps, users are advised to:
- Read the terms and conditions before accepting a loan.
- Only borrow what they can afford to repay.
- Check reviews and ratings on the Google Play Store for other users’ experiences.
Ziada Loan App Limits and Interest Rates
Ziada Loan App is designed to accommodate both first-time borrowers and repeat users. Here’s a summary of its loan features:
| Loan Feature | Details |
|---|---|
| Minimum Loan Amount | KES 500 |
| Maximum Loan Amount | KES 50,000 |
| Interest Rate | As low as 3.6% per month |
| Loan Term | Up to 3 months |
| Loan Disbursement | Direct to M-Pesa account |
| Repayment Method | Via App using M-Pesa Express |
The app evaluates users based on credit behavior, mobile usage data, and repayment history to determine how much they can borrow.
How To Download, Apply, and Repay Loan via Ziada App
Step 1: Download the App
- Go to the Google Play Store
- Search for “Ziada Loan App” or “Ziada Oka Haraka“
- Click Install to download and set up the app on your Android phone.
Step 2: Register an Account
- Open the app and provide your details such as:
- Full Name
- National ID number
- Mobile Number (M-Pesa registered)
- Email address
- Employment or income details (if required)
Step 3: Apply for a Loan
- Choose your desired loan amount
- Select repayment period
- Submit application for review
- If approved, money is sent directly to your M-Pesa account
Step 4: Repay the Loan
- Open the app
- Go to the “Repay Loan” section
- Use M-Pesa Express to pay directly from your phone
- Ensure timely repayment to increase your future loan limit
Ziada Loan App Customer Support
If you experience any issues such as delayed disbursement, technical problems, or inquiries about your loan, Ziada Loan App provides support through email.
Customer Support Email:
📧 emicalculator0177@gmail.com
At this time, no official phone number or live chat support is available. It’s advisable to clearly explain your issue in the email and include your registered phone number and loan reference for faster assistance.
FAQ for Ziada Loan App
1. Who is eligible to apply for a Ziada Loan?
Anyone who:
- Is a Kenyan citizen
- Is over 18 years old
- Owns a mobile phone with M-Pesa
- Has a valid national ID
2. How long does it take to receive the loan?
Approved loans are typically disbursed within minutes to your M-Pesa account.
3. What happens if I fail to repay on time?
Late repayment may result in:
- Higher penalties or interest
- Lower future loan limits
- Negative listing with CRB (if applicable)
- Collection calls or messages
4. Is CRB clearance required?
The app does not clearly state CRB conditions, but users with better repayment history tend to receive higher loan limits. Some apps may check CRB silently.
5. Can I get another loan before repaying the first one?
No. You must first repay your current loan in full before applying for another.
6. How do I increase my loan limit?
- Repay your loans on time
- Maintain a good credit score
- Use the app regularly
- Update your details if your income changes
7. Is the app available for iPhone (iOS)?
No. Currently, Ziada Loan App is only available for Android users on the Google Play Store.
8. What if the app crashes or I can’t log in?
Uninstall and reinstall the app or contact their support email for further help.
Conclusion
Ziada Loan App is a practical and easy-to-use loan app built to serve the financial needs of Kenyans in a digital way. Backed by Riom Co. Ltd, the platform offers affordable short-term loans with minimal requirements and a user-friendly interface.
While still relatively new in the mobile lending space, its low interest rates (from 3.6%), loan flexibility (KES 500 – 50,000), and easy repayment system via M-Pesa make it a suitable option for anyone in urgent need of funds.
However, as with all loan apps, borrow responsibly, understand all loan terms, and ensure timely repayment to avoid penalties and keep your credit record in good shape.
If you’ve used Ziada Loan App and want to share your experience or ask further questions, feel free to ask below!