ZEPHYRCASH

ZEPHYREDGE LIMITED

About this app

Zephycash – Your Trusted Digital Loan Partner in Nigeria

Zephycash offers fast, transparent, and secure personal loans to help you meet your financial needs anytime, anywhere. We are committed to responsible lending, with all terms clearly disclosed before you apply.

Loan Details
- Loan Amount: ₦2,000 – ₦300,000 (based on credit assessment)
- Loan Tenure: 91 days (minimum) – 365 days (maximum)
- Daily Interest Rate: From 0.05% per day (approx. 18.25% per annum)
- Annual Percentage Rate (APR): 8% – 30% (actual rate depends on your credit profile and loan term)
- No Hidden Fees: All costs are included in the APR.

Representative Example
If you borrow ₦120,000 for 120 days at 0.05% per day:
- Daily interest: ₦120,000 × 0.05% = ₦60
- Total interest: ₦60 × 120 days = ₦7,200
- Total repayment: ₦120,000 + ₦7,200 = ₦127,200
- APR: (₦127,200 – ₦120,000) ÷ ₦120,000 ÷ 120 × 365 = 18.25%

This example is for illustration only. Your actual loan terms will be clearly displayed in the app before confirmation.

Why Choose Zephycash?
- No Collateral Required – Apply based on your credit profile; no deposits or guarantors needed.
- Fast Disbursement – Approved funds are transferred directly to your Nigerian bank account within minutes.
- 100% Digital Process – Fully paperless: apply, get approved, and receive funds entirely through the app.
- Data Security – Your personal information is protected with enterprise‑grade encryption. We only share necessary data with trusted payment partners (e.g., Paystack) for transaction processing, as described in our Privacy Policy. We do not sell your data.
- Repayment Reminders – Timely notifications help you stay on track and avoid late fees.

How It Works
1. Download the Zephycash app from Google Play.
2. Register using your phone number and create a secure account.
3. Complete identity verification (upload a photo of your government-issued ID and take a selfie).
4. Submit your loan application.
5. Upon approval, funds are sent directly to your Nigerian bank account (supports Access Bank, FirstBank, UBA, Zenith, GTBank, and others).

Requirements
- Nigerian resident
- Age 20–55 years
- Valid bank account and phone number

Contact & Compliance
- Email: [e-mail] (response within 24 hours)
- Website: https://zepphyredgeapp.com
- Privacy Policy: https://zepphyredgeapp.com/zephy/googlePrivacy.html

Zephycash is operated by ZEPHYREDGE LIMITED, a company registered in Nigeria (RC 8922363), licensed by the Federal Competition & Consumer Protection Commission (FCCPC). All loans are subject to approval and responsible lending practices. Please borrow only what you need and can repay on time.

For complete terms, please refer to the in‑app User Agreement and Privacy Policy.

Ratings and reviews

Extremely disappointing experience.The service fee charged by Zephyr is outrageously high and not reasonable compared with the amount borrowed. The deductions significantly reduce the actual amount you receive, yet you are still expected to repay based on the original loan amount. I understand that loan apps have operating costs, but the fees should be transparent, reasonable, and proportionate. Customers deserve to know exactly how much they will receive and how much they will eventually repay.

This app is totally fraud and full of scammers just imagine applying for a load and 4400 shown on the dashboard but only for they to disburse 2860 into my account and I personally called to inform them about it which I was told to make the complete loan pay of 4700 for what I don't understand just imagine ooo then I told them that I will refund the 2860 to their account they're busy saying they won't accept it. Please if you're seeing this don't even bother to apply for it just run

this is the worst lending platform ever to come to light. I can't a service fee of #4000 and more and a #1000 add ons each day of overdue payment this is outrageous... I can't recommend this to anyone not even the devil.... run ooo for your life if you doubt me I can send you screenshot

What’s new

Added ad serving SDK for better ad experience
Improved login flow and stability
Enhanced face recognition experience
Optimized contact adding feature for easier operation