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.
Money on your account in just 5 minutes!
Minimum term: 1 day
Maximum term: 61 days
Maximum APR: 0%
Representative example: Minimum loan term: 61 days. Maximum loan term: 61 days. Maximum APR 0%. For a representative example for a loan for KSh 4,000 for 61 days APR equals 0% (calculated on 06.05.2019); total loan amount: KSh 4,000; annual interest rate 0%; total loan cost KSh 0, including: Commission KSh 0, Interest KSh 0; installment amount: 1 installment for KSh 4,000; term of loan: 61 days; total repayment amount KSh 4,000.
How does it work?
1. Download Zenka App
Visit Apple App Store. Search for Zenka Loan App and download it on your mobile.
2. Fill short application form
After downloading our app, choose how much money you need and sign up with Zenka.
3. 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.
4. Need additional financing?
Make use of our flexible additional amount feature that allows you to top up your existing loan with extra cash, up to your current credit limit.
5. Need more time to repay?
Loan extensions give you more control over your loan by letting you postpone your due date by 7, 14 or 30 days.
6. 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!
- Considering additional financing? Don't miss on great opportunities and top up you existing loan with just a few clicks!
- Need more time to repay? Get control over the unexpected by extending your due date. Enjoy the flexibility we offer.
- Achieve financial harmony! Realize your ideas and needs with our instant personal loans.
How to register with Zenka?
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. It is simple and takes only a couple of minutes of your time!
What do we offer?
1. Loan terms starting from 1 day,
2. Loan amounts starting from KSh 500.00,
3. Commission fee starting from 9%,
4. Top ups with just few clicks,
5. Due date extensions,
6. Limit increase with timely repayments.
Ratings and ReviewsSee All
I paid my previously existing loan a day after the deadline and that was two months ago why can’t I access another loan until now?? And your interest rates are way too high.
Developer Response ,
Hi Larry, Thanks for taking the time to reach out to us. Kindly understand that the financial well-being of all our clients is a priority for us and thus this is considered each time a client wants to take up a loan with us. Please write to us to via private message for more advise on your loan limit, eligibility and the flexibility of our rates. ~D.M
I can’t access the loan and am in need help out
Developer Response ,
Mworia hello, thank you for taking the time to write to us; apologies for any form of inconvenience caused, kindly do write to us on firstname.lastname@example.org including your contact details so we may be able to assist you.
Horrible application. Once you repay a loan they don’t offer you another one under the excuse of a system problem even after charging heavy interest.
Developer Response ,
Hi Sigulu, thanks for taking the time to reach out to us. Kindly understand that the financial well-being of all our clients is a priority for us and thus this is considered each time a client wants to take up a loan with us. Please write to us to via private message for more advise on your loan limit and eligibility. ~D.M
Up to six family members will be able to use this app with Family Sharing enabled.