How does it work?

Money on your account in just 5 minutes!

Download App

Download Zenka App

Visit Google Play Store. Search for Zenka Loan App and download it on your mobile.

Fill the application

Fill the application form

After downloading our app, choose how much money you need and sign up with Zenka.

Receive Money

Receive money on your M-Pesa account

Your application will be evaluated and when it is approved, you will receive money on your M-Pesa account.

Repay on time

Repay on time and build a positive credit history

Timely repayment increases your credit limit and allows you to apply for higher amounts in the future.




What's so special about us?

Additional amount and extensions do the job!

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We believe in people's potential

At Zenka Finance, we believe in people and their potential. We also know that every potential, every spark must sometimes be fed with instant cash so that ideas and needs can be realized.

That is why we provide financial tools that break the rigid structure of banks and bureaucracy. With us, the decision to grant a loan and support your ideas takes place instantly.

Everything starts from the phone

At Zenka Finance, we'll complete all your financial operations with your phone. Thanks to this, you have access anytime and anywhere to our financial services.

Forget about bank queues and prolonged credit evaluations. At Zenka Finance, you are always the first in line.

We will make your dreams come true with great joy.

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100% transparency

Our application gives you a chance to get credit regardless of your banking history. With your consent to access your telephone data, we can receive the necessary information that helps us grant you a loan within a few minutes.

Data analized by our system:


Device information
SMS log
Call log
GPS data
Contact list
Repayment history
Device information
Call log
Contact list
SMS log
GPS data
Repayment history

Don't have a smartphone?

What if your smartphone doesn’t allow you to install the Zenka Loan App? Or maybe your location doesn’t provide an internet connection? We have solved the problem for you. Take advantage of our instant loan with feature phone via USSD.

Just type the code:

*

and enjoy access to instant financial services

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Thrive with us

We dream about a world in which people can grow, both in their personal and professional lives. Our mission is to introduce balance and harmony in the financial world of every Customer by providing smart financial products to people who need them right here and right now.

Easy access to financial services eliminates social differences and gives more business opportunities. We give a helping hand to people of all ages and from all social layers to stimulate their development and growth. This results in the continuous progress of their Country and the entire World.

Heaven for rising stars

Do you want to positively change the World and become a part of something bigger? Are you passionate about ML (Machine Learning), AI (Artificial Intelligence) or a specialist in your field? Write us and join the Team!

Join our team

What people say about us

We provide financial services instantly and responsibly. We help thousands of people in Kenya every day. We extend our thanks for your trust.

Kila wakati nikiwaza juu ya pesa za matumizi yangu, ZENKA tu ndio huja kwenye akili yangu. Wamenitoa mbali na siwaachi hata!
Everytime I think of my financial woes, ZENKA comes to mind. They have truly been my go to facility for some cash. I am taking this journey with them always!

Janet Irungu
From Kiambu

Kwa kusema kweli, sikuweza lipa mkopo wangu wa kwanza kwa muda uliotarajiwa, lakini ZENKA walinielewa na kunipa mkopo mwingine kabla ya kumaliza ule wa kwanza. Saizi niko na Amani na watoto wangu wako shule. Mimi ni wao milele.
To tell you the truth, I had difficulties in paying my first loan, but ZENKA had my back. They offered me an extension loan even before I could repay off my first loan. My kids are in school and doing great and I am forever grateful

Kim Otieno
From Muhoroni

Dakika tano tu! Wewe jaribu kama unadhani ni utani. ZENKA haina uwongo hataa. Nitazidi kujijenga na ZENKA.
5 Minutes. Yes you heard me right. ZENKA has stuck with their word and they have me roped in.

Edgar Moraa
From Narok

Nina Amani rohoni. Masharti ya ZENKA ya kulipa mkopo ni tulivu na haina fiche yoyote kama wengine wanavofanya. Napenda wanavyo-tupokelea na kuwasiliana nasi. Usingoje, kwani ngoja ngoja huumiza matumbo jamani.
I have peace in my heart. The repayment plan is so flexible and their terms are not as dodgy as others. Its all clear and I love the way they treat and respond to me. What are you waiting for?

Aisha Tunu
From Kwale

Bila mambo mingi, ZENKA wako juu. Loan zao ni shwari na hakuna details mob. You just download the App, register and before you know it chapaa imeingia kwa Mpesa account yako. Saizi naeza sort any emergency, all thanks to ZENKA. I hope you guys are here to stay.

Alvin James
From Nairobi

Download our App

and get an instant loan straight to your mobile money account.

download from google play store Download our App

Frequently asked questions

Can't find your answer? We're here to help! Ask our support at [email protected]

About Zenka

Zenka is the most flexible personal loan platform on the market, giving Kenyans more control over their finances with its unique features. We offer a simple registration and application process, after which you will receive your loan straight to your M-Pesa account.
Zenka offices can be found in Nairobi, Kenya.
We currently support Safaricom.
To resolve your issues and answer your questions, you can reach our customer support by e-mail at [email protected]
Zenka uses state-of-the-art encryption techniques to make sure your data is always 100% secure. Your data is never shared with or sold to third parties, unless for specific reasons like reporting to authorized Credit Bureaus. Please read our Terms and Conditions for more details.
For our mobile app, we support only English. Zenka via USSD supports both English and Swahili

Registration and application (Mobile App)

Our lending platform can be accessed through Zenka Loans App – available at Google Play.
We require minimum information for your convenience. All we need is your first name, last name, National ID, answer to a security question of the choices provided and a 4-digit PIN number.
Security question is a personal question to which you need to provide an answer. Your answer can be used as backup to safely change your PIN number.

To ensure greater safety of your account please do not share the answer to your security question with any other person.
Once you’ve installed the Zenka App, kindly follow these steps:
  1. Start the application,
  2. Choose your loan amount and term on the sliders,
  3. Click on “Apply for loan”,
  4. On the next screen please click on “Sign up”,
  5. Enter your first name, last name and National ID
  6. Choose a security question and enter your answer,
  7. Enter a 4-digit PIN number,
  8. Follow the link and read our Terms and Conditions,
  9. Click on “Agree and sign up” and you will receive an SMS with a 4-digit verification code,
  10. Check if the code is auto filled or Input the code and click “Done”.
You’ve just successfully registered with Zenka and can proceed with the loan application.
The whole process is simplified, kindly follow these steps:
  1. Start the application,
  2. Select your loan amount and term,
  3. Click on “Get loan”,
  4. Receive your offer details and click on “Get loan”.
After an instant verification process, you will receive your loan straight to your M-Pesa account.
For your convenience and to provide you with instant financing, Zenka processes your application and sends the loan to your M-Pesa account in the fastest time possible.
We check and report to Metropol, TransUnion and CreditInfo.
To fulfill our role as a responsible lender, we take many factors into account when evaluating your creditworthiness including your prior history with us, data from your mobile phone and information received from Credit Reference Bureaus.
You can access your information after logging in to the Zenka App. Once logged in, kindly click on the Profile Icon located on the top right side of the application. The information displayed will contain your first name, last name, phone number, National ID and a button that allows you to change your PIN number.
Kindly click on the Profile Icon located on the top right side of the application and click on “Change PIN”. Select your new PIN, confirm and click on “Save new PIN”.
In case you forgot your PIN number and are not logged in, kindly follow these steps:
  1. Start the application,
  2. Click on “Sign in”,
  3. Click on “Forgot PIN?” located on the top right side of the application,
  4. Provide an answer to the security question and click “Continue”,
  5. Select your new PIN, confirm and click on “Save new PIN”.

Registration and application (USSD)

Our lending platform can be accessed by USSD Code *841#
We require minimum information for your convenience. All we need is your first name, last name, National ID, answer to a security question of the choices provided and a 4-digit PIN number.
Security question is a personal question to which you need to provide an answer. Your answer can be used as backup to make changes to your Zenka account.

To ensure greater safety of your account please do not share the answer to your security question with any other person.
On your mobile phone, Kindly dial the USSD Code *841#
The whole process is simplified.

On your mobile phone, please kindly follow these steps:
  1. Dial the USSD Code *841#,
  2. Enter your 4-digit PIN,
  3. Press [Apply for loan] to receive information about your credit limit,
  4. Choose to apply for Full Limit or enter your loan amount,
  5. Choose your loan term.
After an instant verification process, you will receive your loan straight to your M-Pesa account.
For your convenience and to provide you with instant financing, Zenka processes your application and sends the loan to your M-Pesa account in the fastest time possible.
We check and report to Metropol, TransUnion and CreditInfo.
To fulfill our role as a responsible lender, we take many factors into account when evaluating your creditworthiness including your prior history with us, data from your mobile phone and information received from Credit Reference Bureaus.
On your mobile phone, please kindly follow these steps:
  1. Dial the USSD Code *841#,
  2. Enter your 4-digit PIN,
  3. Select [Change PIN],
  4. Enter your new preferred PIN.
After entering a correct PIN number, you will be notified of the change.
In case you forgot your PIN number, please kindly follow these steps:
  1. Dial the USSD Code *841#,
  2. Enter “RESET”,
  3. Enter the answer for your security question and press “SEND”,
  4. Enter your new preferred PIN and press “SEND” again.
After entering a correct PIN number, you will be notified of the change.

Loan offers (Mobile App)

You can borrow from KSh 500 to KSh 10,000.
The fastest way to receive higher amounts is to build credit with a positive repayment history with Zenka, easily achieved with successive timely repaid loans.
We offer a repayment term of 61 days, divided into 2 equal installments.
For a 61-day loan we charge a commission fee of 25%, divided evenly into 2 installments.
We kindly inform that you are required to cover any mobile money and mobile carrier fees.
You can only have one Zenka loan at a time.

Loan offers (USSD)

You can borrow from KSh 500 to KSh 10,000.
The fastest way to receive higher amounts is to build credit with a positive repayment history with Zenka, easily achieved with successive timely repaid loans.
We offer repayment term from 1 days to 30 days with a single payment option.
We charge a commission fee starting from 11%.
We kindly inform that you are required to cover any mobile money and mobile carrier fees.
You can only have one Zenka loan at a time though you can get additional amounts up to your loan limit.

Additional loan amounts and top ups (USSD)

Additional amounts are a flexible feature that allows you to top up your existing loan with extra cash, up to your current credit limit.
To apply for an additional loan amount, you need to have an active loan and your loan principal must be below your credit limit.
Once you have satisfied the requirements to receive an additional loan amount, kindly follow these steps:
  1. Dial the USSD code *841#,
  2. Select [Additional amount],
  3. Select your amount and press “SEND”.
After an instant verification process, you will receive your loan straight to your M-Pesa account.
For additional amounts, the commission fee is the same as the fee charged for your active loan.
You can apply for additional amounts many times unless your credit limit is exhausted.
We kindly inform that a successful additional amount application has no effect on the original loan due date.

Loan extensions (Mobile App)

Loan extensions are a feature that gives you more control over your loan by letting you postpone your due date by 7, 14 or 30 days.
To apply for a loan extension, you need to have an active loan that is not 30 days past due.
Once you have satisfied the requirements to receive a loan extension, please kindly follow these steps:
  1. Start the application,
  2. Select your extension term,
  3. Click on “Extend now”, an extension screen with offer details will appear,
  4. Click on “Extend” and follow the payment link.
After your extension payment is successfully processed the due date of your loan will be updated and you’ll receive an SMS notification.
You can apply for an extension from the first day the loan is active up to 30 days past due date.
The fee depends on the extension term and will be displayed upon request of extension.
There are no limits to the number of times you can extend your loan.
Kindly check if the offer is available to you.

Loan extensions (USSD)

Loan extensions are a feature that gives you more control over your loan by letting you postpone your due date.
To apply for a loan extension, you need to have an active loan that is not 30 days past due.
Once you have satisfied the requirements to receive a loan extension, kindly follow these steps:
  1. Dial the USSD Code *841#,
  2. Enter your 4-digit PIN,
  3. Select [Extend] and check information about cost and term,
  4. Select one of the available terms,
  5. Follow the payment link and wait for SMS notification.
After your extension payment is successfully processed the due date of your loan will be updated.
You can apply for an extension from the first day the loan is active up to 30 days past due date.
The fee depends on the extension term and will be displayed upon request of extension.
There are no limits to the number of times you can extend your loan.
Kindly check if the offer is available to you.

Repayments and due dates (Mobile App)

To check your loan details, kindly log in to your Zenka App to find all the loan information including your loan balance, principal balance, fees balance and due dates.
You will be notified by SMS of your upcoming loan due date.
To repay your loan, please kindly follow these steps:
  1. Start the application,
  2. Scroll down and click on “Repay”,
  3. Select or edit the default repayment amount (open amount),
  4. Click on “Repay now” and follow the Payment Link.
After your payment has been processed you will receive an SMS notification.
We kindly inform that a 1% penalty rate from outstanding principal will be applied per each day of delay. To ensure your credit history is not negatively impacted please always make sure to repay your loans on time.
No. Zenka does not charge any automatic roll-over fees.
If you cannot repay your loan on time, please check what features are available to you or contact our Collection Service. We kindly inform that we reserve the right to report any delinquencies to the authorized Credit Reference Bureaus.

Repayments and due dates (USSD)

To check your loan details, kindly dial the USSD Code *841#, enter your 4-digit PIN, press 2. [Check Balance] and press “SEND" to find the information about your current balance.
You will be notified by SMS of your upcoming loan due date.
To repay your loan, please kindly follow these steps:
  1. Dial the USSD Code *841#,
  2. Enter your 4-digit PIN,
  3. Select [Repay] and find the information about your current balance.
  4. Select [Repay full amount] and follow the payment link.
After your payment has been processed you will receive an SMS notification and your loan will be closed.
We kindly inform that a 1% penalty rate from outstanding principal will be applied per each day of delay. To ensure your credit history is not negatively impacted please always make sure to repay your loans on time.
No. Zenka does not charge any automatic roll-over fees.
If you cannot repay your loan on time, please check what features are available to you or contact our Collection Service. We kindly inform that we reserve the right to report any delinquencies to the authorized Credit Reference Bureaus.