Like other loan apps, you have to first download the Zidisha loan apk from Google Playstore (The iPhone  Zidisha loan app version is yet to be released).


  1. Go to your phone’s Playstore and search for Zidisha loan app then click on Install. You can also Click here then select install once the Zidisha loan app Kenya link opens.
  2. The app isn’t that big so it won’t be long before it completes installing.

How to apply for a Zidisha Loan

To apply, first create an account so that the system can construct your Zidisha profile.

Note that you have to be logged in to your Facebook account to proceed with the Zidisha account registration process.


  1. Click Open (on your newly downloaded app) to start the registration. You will be presented with the continue with Facebook buttonJust Click on it.
  2. At some point, you will be asked whether you want to continue as XXXX (Your facebook name). You will again click Yes.
  3. Next, Click Agree once the app displays its terms and conditions.
  4. Finally, click Got it.
  5. You will be taken to the next screen where you are to type your Email Address and create a Good Password.
  6. You must also enter your First name as well as Last name followed by your Safaricom Mobile number (you can ignore the Other Phone Number tab).
  7. Next, you’re supposed to enter your Date of birth plus National ID number then your City/Town and Neighborhood estate (including how to locate your Home)
  8. Now type a Referral code (This is for those referred by other Zidisha community members). You can ignore the bit asking you to say how you heard about the Zidisha loan app.
  9. Click
  10. Now click Continue and Allow the App the necessary permissions it’s asking for (Calls, files, location, etc.)
  11. Again click Next to view the loan contract (and about Zidisha).
  12. Here you’re supposed to tick answers to the various Questions…
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To begin with, you’ll be asked about how you want your loan to be funded at Zidisha (By a bank, By a loan app company, or By ordinary people)..

You will also be questioned about your highest possible loan you would wish to borrow in the future (shs.50789, shs.202958, or shs.1014790)

  1. Please pick the answers I have underlined. Also, regarding how you’ll qualify for bigger loans, be sure to answer By paying small test Loans.
  2. Click Got it (If the system presents some Profile tip on your Phone screen as you move on with the steps)

Completing your Zidisha dashboard and profile.