Ziki Credit

Compare all 2 products from Ziki Credit in Kenya. Borrow up to Ksh 75,000.

Ksh 75,000

Max Amount

Same day for most applications

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Ziki Credit Quick Loan	N/A	Ksh 1,000 - Ksh 75,000	Same day for most applications	Apply
Ziki Credit Quick Loan	N/A	Ksh 1,000 - Ksh 75,000	Same day for most applications	Apply

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Ziki Credit Pros & Cons

+Pros

✓No hidden charges beyond the advertised rate
✓Reports positive repayment to CRBs to build credit
✓Strong data-privacy posture under Kenya DPA 2019
✓Accessible even with a basic smartphone

-Cons

✗Newer entrant — shorter operational track record
✗Short maximum tenure may squeeze repayment
✗Interest rates can be steep for first-time borrowers

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone with internet
●M-Pesa account

Expert Analysis

Ziki Credit is a CBK-licensed Digital Credit Provider, licensed in 2025 under Kenya's 2022 DCP Regulations. Loans run from KES 1,000 to KES 75,000 with repayment terms of 14-120 days. Disbursement is via M-Pesa, Airtel Money or Bank transfer - same day for most applications. Rates are not published upfront: pricing tiers by CRB band, loan size, and repayment history, and the full total cost of credit is disclosed before acceptance per CBK's Digital Credit Provider rules. Fees: processing fee varies by loan size and tier; no early-repayment penalty.

Frequently Asked Questions

What loan amounts are available from Ziki Credit?

Ziki Credit offers loan amounts from Ksh 1,000 up to Ksh 75,000 depending on the product and your eligibility.

How fast does Ziki Credit disburse loans?

The fastest disbursement time from Ziki Credit is Same day for most applications. Actual processing time varies by product type and application completeness.

Does Ziki Credit require CRB clearance?

Ziki Credit does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.