Apesa Loan App Kenya is a digital lending platform associated with ZEROX TECHNOLOGY COMPANY LIMITED, offering Kenyans access to online credit through a mobile application.
The lender is attracting attention from people searching for quick loans in Kenya, particularly because it advertises interest rates as low as 0.05% per day.
However, borrowers should look beyond the advertised interest rate before taking a loan. It is important to confirm the actual amount offered, repayment period, total repayment cost, applicable fees, data permissions and the lender’s regulatory status.
This Apesa loan review explains what is currently known about the app, its advertised loan terms, the company behind it, interest calculations, privacy considerations and whether borrowers should consider it legitimate.
Apesa Loan App Kenya at a Glance
| Feature | Apesa Loan App |
|---|---|
| App name | Apesa |
| Country | Kenya |
| Developer/company | ZEROX TECHNOLOGY COMPANY LIMITED |
| Advertised starting amount | KSh 1,000* |
| Advertised interest rate | From 0.05% per day* |
| Loan application | Online/mobile application |
| Disbursement | E-wallet/mobile account, according to the platform |
| Minimum age | Check current app terms before applying |
| Phone | +254 207903583 |
| help@apesa.co.ke | |
| Website | apesa.co.ke |
| Address listed by developer | Enterprise Road, Road B Plot Number One Stroke One Seven Six, Nairobi |
*Loan amounts and terms can vary by borrower and may change. The current App Store listing for A Pesa describes different loan parameters, including KSh 10,000–KSh 60,000 and terms of 100 or 160 days, so borrowers should rely on the terms displayed inside the current application rather than an older promotional figure.
What Is Apesa Loan App?
Apesa is a mobile-based lending service that provides an online process for applying for personal credit.
The platform’s developer is listed as ZEROX TECHNOLOGY COMPANY LIMITED. The company’s contact information is also published on Apesa’s privacy-policy page.
According to the platform’s published information, Apesa may collect information such as identification details, phone information, employment information, e-wallet information and device-related information when processing applications.
The idea behind the service is to make borrowing possible without visiting a physical bank or traditional lending office.
Apesa Loan Amount
Some online information about Apesa advertises loans starting from approximately KSh 1,000.
However, there is an important point borrowers should understand.
The current Apple App Store listing for A Pesa gives a different advertised range of KSh 10,000 to KSh 60,000, with loan amounts adjustable in KSh 1,000 increments.
This means the advertised loan range may have changed over time, or different users may receive different limits.
Therefore, borrowers should check the exact loan amount displayed in the application before accepting an offer.
Can You Get KSh 1,000 From Apesa?
A KSh 1,000 starting amount has been advertised in descriptions of Apesa-related lending services, but the currently available App Store information I found does not confirm KSh 1,000 as the minimum.
For this reason, it is better to describe KSh 1,000 as an advertised or reported starting amount rather than a guaranteed minimum loan.
Apesa Interest Rate: 0.05% Per Day
One of the main features promoted by Apesa is an interest rate as low as 0.05% per day.
At face value, 0.05% per day is equivalent to approximately 1.5% for 30 days if calculated as simple daily interest.
For example:
- Loan: KSh 10,000
- Daily interest: 0.05%
- Daily interest: KSh 5
- 30-day simple-interest equivalent: KSh 150
However, this is only an illustration. The actual amount a borrower must repay depends on the loan agreement, repayment schedule, fees and other applicable charges.
A low daily rate should therefore not automatically be interpreted as the total cost of borrowing.
Example of Apesa Loan Interest
If a lender actually charged 0.05% per day on a KSh 10,000 balance for 100 days, simple interest would be:
KSh 10,000 × 0.05% × 100 = KSh 500
The resulting principal plus interest would be KSh 10,500 before considering any other charges.
Always check the final repayment amount shown before accepting a loan.
Apesa Loan Repayment Period
The App Store listing for A Pesa currently describes loan durations of 100 days or 160 days. citeturn0search0
Loan terms may change, and individual borrowers may receive different repayment schedules.
Before accepting an offer, check:
- Loan duration
- Number of installments
- Due dates
- Interest charged
- Any service or processing fees
- Late-payment charges
- Total amount payable
The total repayment amount is often more useful than looking at the interest rate alone.
How Does Apesa Loan App Work?
The general digital-lending process involves:
- Downloading or accessing the official Apesa application.
- Creating an account.
- Providing the information requested by the lender.
- Completing the loan application.
- Selecting or reviewing the available loan offer.
- Checking the interest rate and repayment terms.
- Accepting the loan agreement if the terms are suitable.
- Receiving funds through the supported payment method.
The exact process may change as the application is updated.
Apesa Loan Requirements
Potential borrowers should expect to provide personal and financial information during registration and credit assessment.
Apesa’s privacy policy states that information collected may include:
- Name
- Identification information
- Address
- Phone number
- Email address
- ID-card information
- Selfie/photo
- Employment information
- Emergency contact information
- E-wallet information
- Device information
- Credit information from credit-assessment agencies or partners
Because this involves sensitive personal information, applicants should read the application’s permissions and privacy policy before submitting an application.
Apesa Loan App and M-Pesa
Digital lenders in Kenya commonly use mobile-money services for loan disbursement and repayment.
However, borrowers should confirm the exact current repayment instructions displayed inside the official application before sending money.
Never send a repayment to a personal phone number simply because someone claiming to represent a lender requests it.
Is Apesa Loan App Legit in Kenya?
This is one of the most important questions borrowers are asking.
The existence of a company and a functioning mobile application does not by itself establish that a digital lender is licensed by the Central Bank of Kenya.
Therefore, this article should not describe Apesa as CBK-licensed unless the company can provide evidence of a current licence under its actual licensed entity or trading name.
This also does not by itself establish that Apesa is fraudulent. A company may operate under a different legal or licensed entity name, or its regulatory position may change.
What Should Borrowers Do?
Before borrowing:
- Check the latest CBK digital-credit-provider directory.
- Confirm the legal company behind the app.
- Check whether the trading name matches the licensed entity.
- Read the loan agreement.
- Confirm the total repayment amount.
- Check all fees and penalties.
- Review the app’s data permissions.
- Avoid paying an upfront “unlocking” or “processing” fee to an individual.
- Keep screenshots and copies of your loan agreement and payment receipts.
Apesa Company Details
The platform identifies the company behind Apesa as:
Company: ZEROX TECHNOLOGY COMPANY LIMITED
Telephone: +254 207903583
Email: help@apesa.co.ke
Website: apesa.co.ke
Apesa Privacy and Data Collection
Data privacy is particularly important when using digital loan applications.
According to Apesa’s privacy policy, the platform may collect personal identification, financial, employment, device and other information for purposes including assessing loan applications, processing transactions, preventing fraud and complying with legal requirements. citeturn0search4
The policy also states that information may be shared with service providers involved in activities such as payment processing, credit assessment and data storage.
Borrowers should therefore avoid giving an application unnecessary permissions and should understand why requested information is being collected.
Apesa Loan App Pros and Cons
Potential advantages
- Online loan application process
- Convenient mobile-based borrowing
- Advertised interest rate from 0.05% per day
- Digital loan processing
- Published customer-support contacts
- Published privacy policy
- Loans may be available without visiting a traditional bank
Things to consider
- Loan limits and terms can change
- Advertised rates may not represent the total borrowing cost
- Regulatory status should be independently verified
- The platform may collect significant personal and device information
- Borrowers should carefully check all charges before accepting a loan
- Different online listings show different loan ranges
Apesa Loan App vs Other Kenyan Loan Apps
Kenya has a large digital-credit market containing banks, microfinance institutions and licensed digital credit providers.
The Central Bank of Kenya maintains an official directory of licensed digital credit providers. citeturn0search25
Borrowers looking for alternatives can compare the exact cost and regulatory status of established providers rather than choosing an app solely because it advertises a low daily interest rate.
When comparing lenders, look at:
| Factor | What to Check |
|---|---|
| Licence | Is the provider listed by the relevant regulator? |
| Loan amount | How much will actually be offered? |
| Interest | Is it daily, monthly or annual? |
| Fees | Are there processing or service charges? |
| Repayment | How many installments and when? |
| Late charges | What happens if you miss payment? |
| Data privacy | What information does the app collect? |
| Customer support | Is there a verifiable support channel? |
| Total cost | How much will you repay in total? |
Important Warning About “Low Interest” Loan Offers
A rate of 0.05% per day may sound inexpensive, but borrowers should always calculate the complete cost.
For example, a lender could advertise a low interest rate while applying other charges that increase the amount payable.
Before accepting an Apesa loan, ask:
“If I borrow KSh X today, exactly how much will I have repaid by the final due date?”
That figure is more important than the headline interest rate.
Should You Borrow From Apesa?
Apesa may be of interest to Kenyans looking for digital credit, but borrowers should make the decision only after verifying the current loan terms and regulatory information.
The regulatory position should also be independently checked against the latest CBK directory.
Frequently Asked Questions About Apesa Loan App Kenya
What is Apesa Loan App?
Apesa is a digital lending platform associated with ZEROX TECHNOLOGY COMPANY LIMITED and marketed to users in Kenya.
How much can I borrow from Apesa?
Loan amounts may vary. Some information advertises loans from KSh 1,000, while the current App Store listing describes KSh 10,000 to KSh 60,000. Check the current application for the amount available to you. citeturn0search0
What is Apesa’s interest rate?
Apesa-related information advertises rates as low as 0.05% per day. The actual cost should be confirmed from the loan agreement before accepting an offer.
Who owns Apesa?
The app identifies ZEROX TECHNOLOGY COMPANY LIMITED as its developer/company. citeturn0se
Is Apesa licensed by CBK?
The August 14, 2026 CBK directory I checked does not list ZEROX TECHNOLOGY COMPANY LIMITED under that exact name. Borrowers should verify whether Apesa operates under another legally licensed entity before borrowing.
What is the Apesa customer-care number?
The published Apesa contact number is +254 207903583.
What is the Apesa customer-care email?
The published email is help@apesa.co.ke.
Does Apesa collect personal information?
Yes. Its privacy policy describes collection of identification, contact, employment, financial, device and other information for purposes connected with lending and service provision.
Is Apesa a scam?
It would be inappropriate to label Apesa a scam based solely on the information reviewed here. However, borrowers should independently verify the company’s current regulatory status, loan terms and data practices before borrowing.
Final Verdict: Apesa Loan App Kenya
Apesa is a digital lending service associated with ZEROX TECHNOLOGY COMPANY LIMITED and advertises quick online credit with interest rates as low as 0.05% per day.
However, there are important details borrowers should verify. The loan amounts currently shown in the App Store differ from some lower amounts advertised elsewhere, while the August 2026 CBK digital-credit-provider directory does not list ZEROX TECHNOLOGY COMPANY LIMITED under that exact name.
For this reason, borrowers should avoid assuming that an advertised loan is automatically cheap or that the company is CBK-licensed. Check the total repayment amount, fees, repayment period, privacy permissions and current regulatory status before accepting any credit offer.
Disclaimer: This article is for general information and does not constitute financial advice. Loan terms, interest rates, eligibility requirements and regulatory status can change. Always verify information directly with the lender and relevant Kenyan regulators before borrowing.