Zash Loan data API

Zillions Credit Limited · Lending 4.3 ★

Zash Loan-Digital Loans Kenya is a short-term digital lending app from Zillions Credit Limited for borrowers in Kenya seeking credit without collateral. Users sign in with a mobile number and SMS code, complete national-ID photo and liveness checks, and choose a loan amount and repayment term from the home loan card. M-Pesa is the cash-out channel, while repayment details, coupons, installment plans and contract downloads remain accessible through the same account. Fingerprint sign-in is available after binding. The app serves mobile borrowers managing applications and repayments on their phones; its recorded Play rating is 4.29 stars across 244,976 ratings.

M-Pesa payout amounts and repayment obligations meet at serial_id: the loan record distinguishes requested amount, net real_amount, upfront fee_pre and outstanding unpayed_amount. Home-card fields add loan_amount, max_amount and is_overdue, while statements and schedules carry expect_pay_amount, expect_pay_time, current_term and shouldRepay. Payout details connect register_phone to the channel identifier check_key, letting authorized reconciliation teams compare the selected wallet with the loan and net disbursement.

Offer records retain amount_limit_min, amount_limit_max, days_config and coupon_amount for comparing available amounts, terms and discounts. With appropriate borrower authorization, onboarding teams can relate session user_id and mobile to identity fields id_card, firstName and lastName, alongside the application's face-verification flags. Credit desks and collections teams can build limit monitoring, payout reconciliation and repayment tracking around these records; openData Studio turns this data into callable open data for authorized integrations.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Send SMS OTP
POST /v1/access/challenges/send osint
Sends a login OTP to the Kenyan mobile number in user_name so the borrower can complete SMS sign-in.
Auth: No session token required before sign-in. Form fields include d_id_store, access_time, language, package_name and app_version. Successful SMS sign-in returns a token for subsequent custom-header authentication.
- user_name
- d_id_store
- language
- package_name
- app_version
- access_time
- code
- status
```
POST /v1/access/challenges/send HTTP/1.1
Content-Type: application/x-www-form-urlencoded

user_name=254700000000&d_id_store=demo-device-store&language=en-ke&package_name=com.kopakash&app_version=2.0.1&access_time=1790467200
```
```
{
  "code": 0,
  "msg": "ok",
  "data": {
    "status": 1
  }
}
```

SMS OTP login

POST /v1/access/challenges/verify osint

Confirms the SMS code for user_name and returns token, user_id, mobile, sequence_id and idcard_name for the signed-in session.

Auth: No session token required before sign-in. Form fields include d_id_store, access_time, language, package_name and app_version. Successful SMS sign-in returns a token for subsequent custom-header authentication.

user_name
code
d_id
d_imei
android_id
adjust_id
google_adid
token
user_id
mobile
sequence_id
bind_mobile
idcard_name
enter_method

POST /v1/access/challenges/verify HTTP/1.1
Content-Type: application/x-www-form-urlencoded

user_name=254700000000&code=000000&is_bind=1&d_id=demo-device-0001&d_imei=demo-device-0001&android_id=demo-android-id&d_sys=android&d_name=samsung_SM-A245F&d_sys_ver=14&adjust_id=demo-adjust-id&google_adid=00000000-0000-0000-0000-000000000000&package_name=com.kopakash

{
  "code": 0,
  "data": {
    "token": "<example-token>",
    "user_id": "demo-user-0001",
    "user_name": "254700000000",
    "mobile": "254700000000",
    "sequence_id": "demo-session-0001",
    "bind_mobile": true,
    "bind_facebook": false,
    "enter_method": "sms",
    "idcard_name": {
      "value": "EXAMPLE BORROWER",
      "status": "1"
    }
  }
}

Borrower profile

POST /v1/borrowers/profile/read osint

Loads the signed-in borrower card, including user_id, mobile, token, sequence_id and idcard_name status after OTP login.

Auth: Signed-in session token in a custom HTTP header, illustrated as X-Session-Token, together with a session cookie. Common form metadata includes d_id_store, access_time, language, package_name and app_version. All credentials in the examples are placeholders.

user_id
user_name
mobile
token
sequence_id
bind_mobile
bind_facebook
facebook_name
idcard_name

POST /v1/borrowers/profile/read HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

package_name=com.kopakash&language=en-ke&access_time=1790467200

{
  "code": 0,
  "data": {
    "user_id": "demo-user-0001",
    "user_name": "254700000000",
    "mobile": "254700000000",
    "token": "<example-token>",
    "sequence_id": "demo-session-0001",
    "bind_mobile": true,
    "bind_facebook": false,
    "facebook_name": "",
    "idcard_name": {
      "value": "EXAMPLE BORROWER",
      "status": "1"
    }
  }
}

Home loan dashboard
POST /v1/credit/dashboard/read openfinance
Returns the home loan card: serial_id, loan_amount versus max_amount, expect_pay_amount and expect_pay_time, is_overdue, id_card and reference_number.
Auth: Signed-in session token in a custom HTTP header, illustrated as X-Session-Token, together with a session cookie. Common form metadata includes d_id_store, access_time, language, package_name and app_version. All credentials in the examples are placeholders.
- status
- serial_id
- loan_amount
- max_amount
- expect_pay_amount
- expect_pay_time
- is_overdue
- id_card
- reference_number
- last_loan_rejected
- appeal_status
- credit_guide_text
```
POST /v1/credit/dashboard/read HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

package_name=com.kopakash&language=en-ke
```
```
{
  "code": 0,
  "data": {
    "status": 5,
    "serial_id": "DEMO-LOAN-0001",
    "loan_amount": 8500.0,
    "max_amount": 15000.0,
    "expect_pay_amount": 10200.0,
    "expect_pay_time": 1791676800,
    "is_overdue": false,
    "id_card": "ID-DEMO-0001",
    "reference_number": "DEMO-PAYOUT-0001",
    "last_loan_rejected": false,
    "appeal_status": 0,
    "credit_guide_text": "Complete KYC to raise limit"
  }
}
```
Loan offer configuration
POST /v1/credit/offers/options openfinance
Quotes selectable KES amounts and terms using amount_limit_min, amount_limit_max, amount_config, days_config, step_len, overdue_fee and default_config.amount and default_config.day.
Auth: Signed-in session token in a custom HTTP header, illustrated as X-Session-Token, together with a session cookie. Common form metadata includes d_id_store, access_time, language, package_name and app_version. All credentials in the examples are placeholders.
- amount_limit_min
- amount_limit_max
- amount_config
- days_config
- step_len
- loan_term
- overdue_fee
- has_coupon
- coupon_no
- coupon_amount
- default_config
```
POST /v1/credit/offers/options HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

package_name=com.kopakash
```
```
{
  "code": 0,
  "data": {
    "amount_limit_min": 1000,
    "amount_limit_max": 15000,
    "amount_config": [1000, 2500, 5000, 8500, 15000],
    "days_config": [7, 14, 21],
    "step_len": 500,
    "loan_term": "14 days",
    "overdue_fee": "KES 50/day",
    "has_coupon": 1,
    "coupon_no": "NEW14",
    "coupon_amount": 200.0,
    "default_config": {
      "amount": 8500,
      "day": 14
    }
  }
}
```
Pre-apply review loan
POST /v1/credit/applications/review openfinance
Submits amount and day for credit review and returns status, credit_approval_status, is_reject and countdown while the application is assessed.
Auth: Signed-in session token in a custom HTTP header, illustrated as X-Session-Token, together with a session cookie. Common form metadata includes d_id_store, access_time, language, package_name and app_version. All credentials in the examples are placeholders.
- amount
- day
- status
- credit_approval_status
- is_reject
- countdown
- tap_title
- tap_url
- sent_coupon
- time
```
POST /v1/credit/applications/review HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

amount=8500&day=14&package_name=com.kopakash
```
```
{
  "code": 0,
  "data": {
    "amount": 8500.0,
    "status": 0,
    "credit_approval_status": 1,
    "is_reject": false,
    "countdown": 120,
    "tap_title": "Reviewing",
    "tap_url": "",
    "sent_coupon": 0,
    "time": 1790467320
  }
}
```

Confirm and apply loan

POST /v1/credit/applications/confirm openfinance

Confirms the chosen amount, day and purpose and returns order flags plus M-Pesa disburse_info.register_phone and the channel check_key.

amount
day
purpose
loan_type
is_face_verify_open
first_alive_verify
reloan_alive_verify
max_failed
disburse_info
register_phone
channel
check_key

POST /v1/credit/applications/confirm HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

amount=8500&day=14&purpose=School fees&package_name=com.kopakash

{
  "code": 0,
  "data": {
    "loan_type": 1,
    "is_face_verify_open": 1,
    "first_alive_verify": true,
    "reloan_alive_verify": false,
    "max_failed": 3,
    "disburse_info": {
      "canModify": 0,
      "register_phone": "254700000000",
      "is_float": false,
      "desc1": "M-Pesa",
      "channel": [
        {
          "name": "M-Pesa",
          "check_key": "mpesa",
          "is_checked": 1,
          "type": 1,
          "content": "254700000000"
        }
      ]
    }
  }
}

Create loan and disburse

POST /v1/credit/disbursements/submit openfinance

Books the loan and initiates M-Pesa payout, with serial_id, real_amount versus amount, fee_pre, shouldReceive and disburse_info.register_phone.

serial_id
status
amount
real_amount
unpayed_amount
expect_pay_amount
expect_pay_time
loan_day
rate_amount
fee_pre
tel
shouldReceive
shouldReceiveInit
register_phone
check_key

POST /v1/credit/disbursements/submit HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

amount=8500&day=14&purpose=School fees&check_key=mpesa&package_name=com.kopakash

{
  "code": 0,
  "data": {
    "serial_id": 100001,
    "status": 5,
    "amount": 8500.0,
    "real_amount": 8075.0,
    "unpayed_amount": 10200.0,
    "expect_pay_amount": 10200.0,
    "expect_pay_time": 1791676800,
    "loan_day": 14,
    "rate_amount": 1700.0,
    "fee_pre": 425.0,
    "is_overdue": false,
    "tel": "254700000000",
    "receivedAmountInfo": {
      "shouldReceive": 8075.0,
      "shouldReceiveInit": 8500.0,
      "additional": 0.0,
      "coupon_type": 0
    },
    "disburse_info": {
      "register_phone": "254700000000",
      "channel": [
        {
          "name": "M-Pesa",
          "check_key": "mpesa",
          "content": "254700000000"
        }
      ]
    }
  }
}

Query loan bill

POST /v1/credit/statements/read openfinance

Reads the current bill for serial_id, including total_amount, credit_status, nested loan amount, loan_day and expect_pay_time, plus installment_overdue_day.

serial_id
type
total_amount
total_count
loan_desc
credit_status
installment_status
installment_amount
installment_overdue_day
is_period
amount
loan_day
expect_pay_time
status

POST /v1/credit/statements/read HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

serial_id=100001&package_name=com.kopakash

{
  "code": 0,
  "data": {
    "serial_id": "DEMO-LOAN-0001",
    "type": 1,
    "total_amount": 10200.0,
    "total_count": "1",
    "loan_desc": "14-day loan",
    "credit_status": 1,
    "installment_status": 0,
    "installment_amount": 0.0,
    "installment_day": 0,
    "installment_overdue_day": 0,
    "is_period": 0,
    "loan": {
      "status": 5,
      "amount": 8500.0,
      "loan_day": 14,
      "expect_pay_time": 1791676800
    }
  }
}

Repay installment

POST /v1/credit/repayments/schedule openfinance

Returns the repayment plan for serial_id, with total_amount, per-term expect_pay_amount and expect_pay_time, and shouldRepay versus deduction.

serial_id
total_amount
installment
current_term
expect_pay_amount
expect_pay_time
status
plan_info
shouldRepay
deduction

POST /v1/credit/repayments/schedule HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

serial_id=100001&package_name=com.kopakash

{
  "code": 0,
  "data": {
    "serial_id": "100001",
    "total_amount": 10200.0,
    "installment": [
      {
        "current_term": 1,
        "expect_pay_amount": 10200.0,
        "expect_pay_time": 1791676800,
        "status": 0,
        "plan_info": "Illustrative due date"
      }
    ],
    "repaymentAmountInfo": {
      "shouldRepay": 10200.0,
      "deduction": 0.0
    }
  }
}

Save credit KYC
POST /v1/identity/details/submit osint
Saves the KYC form values id_card, firstName and lastName and returns userId plus goto so the app can advance to the loan card.
Auth: Signed-in session token in a custom HTTP header, illustrated as X-Session-Token, together with a session cookie. Common form metadata includes d_id_store, access_time, language, package_name and app_version. All credentials in the examples are placeholders.
- id_card
- firstName
- lastName
- userId
- goto
```
POST /v1/identity/details/submit HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

id_card=ID-DEMO-0001&firstName=EXAMPLE&lastName=BORROWER&package_name=com.kopakash
```
```
{
  "code": 0,
  "data": {
    "userId": "demo-user-0001",
    "goto": "loan"
  }
}
```
National ID occupancy check
POST /v1/identity/bindings/check osint
Checks whether a Kenyan id_card is already bound and returns phone for the current account or occupy_phone when another mobile number holds the ID.
Auth: Signed-in session token in a custom HTTP header, illustrated as X-Session-Token, together with a session cookie. Common form metadata includes d_id_store, access_time, language, package_name and app_version. All credentials in the examples are placeholders.
- id_card
- phone
- occupy_phone
```
POST /v1/identity/bindings/check HTTP/1.1
X-Session-Token: <example-token>
Cookie: session=<example-session>
Content-Type: application/x-www-form-urlencoded

id_card=ID-DEMO-0001&package_name=com.kopakash
```
```
{
  "code": 0,
  "data": {
    "id_card": "ID-DEMO-0001",
    "phone": "254700000000",
    "occupy_phone": ""
  }
}
```

Data categories

phone identity
OTP sessions
KYC photos
national ID numbers
M-Pesa disbursement
loan balances
device telemetry

Where teams use this data

Watch Kenya OTP sessions and borrower cards
Join the SMS sign-in fields token, user_id and mobile with the borrower profile so an authorized credit desk can associate a session with its mobile number and check whether idcard_name is already bound.
Reconcile M-Pesa disbursement channels
Read disburse_info.register_phone and the channel name and check_key alongside serial_id, real_amount and shouldReceive so operations teams can match M-Pesa payouts to in-app loan orders.
Track limit, arrears and installment books
Compare max_amount, loan_amount and is_overdue from the loan dashboard with outstanding unpayed_amount, expect_pay_amount and repayment-plan current_term to flag arrears in Kenyan shilling loan books.
KYC completeness on national ID and liveness
Combine the ID binding check's id_card, saved KYC userId, OCR idNumber, firstName and lastName, and face-verification status to track whether identity onboarding is complete before a loan application proceeds.

Frequently asked questions

What loan fields are shown for Zash Loan?

The loan dashboard includes serial_id, loan_amount, max_amount, expect_pay_amount, expect_pay_time and is_overdue. Offer options add amount_limit_min, amount_limit_max and days_config; booking and repayment records distinguish real_amount, unpayed_amount, shouldReceive and shouldRepay. The API paths and example values on this page are illustrative.

How does borrower sign-in work?

A borrower receives an SMS code on a Kenyan mobile number and submits user_name plus code to establish a session. The session includes token, user_id and mobile. Signed-in requests use a custom token header and a session cookie; the displayed credentials are placeholders, not working access details.

Which fields describe M-Pesa disbursement?

Order confirmation and loan booking carry disburse_info.register_phone and channel details including name and check_key. real_amount and shouldReceive describe the net payout, allowing an authorized integration to associate a loan with its selected M-Pesa wallet.

What identity information supports onboarding?

Identity records include id_card, firstName, lastName and userId, with idcard_name on the borrower profile. The binding check can return phone or occupy_phone when an ID is associated with an account. These are sensitive borrower details that require appropriate authorization; all identity values in the examples are fictional.

Apps similar to Zash Loan-Digital Loans Kenya

Tala: Fast & Safe Pesa Loan — Tala is a Central Bank of Kenya–licensed cash-loan app that disburses to M-PESA against a personal credit line of KSh 1,000 to KSh 50,000, with repayment terms of up to 120 days.
Branch — Branch is a Kenya, Nigeria and India digital-finance app that offers smartphone instant loans sent to mobile money or a bank account, along with wallet transfers, bill payments and in-app savings.
Zenka — Zenka is Zenka Digital Limited's Kenya cash-loan app that evaluates an in-app application and, when approved, sends the funds to M-Pesa, with advertised borrowing of up to KES 200,000.
Timiza — Timiza is Absa Bank Kenya's app for instant phone loans, M-PESA-linked transfers and Zidisha savings; qualifying loans go to a Timiza account and are withdrawn to M-PESA.
Okash — Okash is a Kenya cash-loan product that advertises eligibility for Ksh 5,000–50,000 disbursed to M-PESA, covering emergency, rental, education and car-loan top-ups without guarantors.
M-Shwari — M-Shwari is a Safaricom savings-and-loan service that lets M-PESA customers save from Ksh 1 and take instant loans credited to M-PESA from the Loans and Savings menu.
KCB M-PESA — KCB M-PESA is a savings-and-loan service that lets M-PESA customers save from KSh 1 and access instant credit from KSh 100, credited to the M-PESA account, with no branch visit.
My OneApp — My OneApp is Safaricom PLC's Kenya super-app that puts the M-PESA wallet on the home screen and unlocks M-PESA invest, borrow and insure actions without switching apps.

More Lending apps

Topics

zash loan data api
kopa kash
kenya digital lending
M-Pesa payout reconciliation
Zillions Credit Limited
loan repayment schedule
serial_id
max_amount
id_card
unpayed_amount

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Zash Loan data API

Screenshots

API surface

Send SMS OTP

SMS OTP login

Borrower profile

Home loan dashboard

Loan offer configuration

Pre-apply review loan

Confirm and apply loan

Create loan and disburse

Query loan bill

Repay installment

Save credit KYC

National ID occupancy check

Data categories

Where teams use this data

Watch Kenya OTP sessions and borrower cards

Reconcile M-Pesa disbursement channels

Track limit, arrears and installment books

KYC completeness on national ID and liveness

Frequently asked questions

Apps similar to Zash Loan-Digital Loans Kenya

More Lending apps

BAF Mobile - Cicilan Pinjaman

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Topics

Need this app's data API integrated?

Zash Loan data API

Screenshots

API surface

Send SMS OTP

SMS OTP login

Borrower profile

Home loan dashboard

Loan offer configuration

Pre-apply review loan

Confirm and apply loan

Create loan and disburse

Query loan bill

Repay installment

Save credit KYC

National ID occupancy check

Data categories

Where teams use this data

Watch Kenya OTP sessions and borrower cards

Reconcile M-Pesa disbursement channels

Track limit, arrears and installment books

KYC completeness on national ID and liveness

Frequently asked questions

Related apps

Apps similar to Zash Loan-Digital Loans Kenya

More Lending apps

BAF Mobile - Cicilan Pinjaman

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Topics

Need this app's data API integrated?