Zenka is one of 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 positive approval decision, you will receive your loan straight to your M-Pesa account.

Money on your account even in just 5 minutes!

What are my loan terms?

Customers can express a preference for loans up to 61 days.
Loan payment terms have an interest fee of 2.45-39%*
Processing Fee: KSh 0.
Loan Amount: from KSh 500 to KSh 200,000.

Grow with Zenka and build your limit up to KSh 200,000 by making your loan repayments on time.

For example, for a 61-day loan with a principal amount of KSh 1,000, the interest fee would be KSh 390 and the total amount due would be KSh 1,390.

Terms and Conditions: Zenka charges an interest fee of 2.45-39%* of the principal amount. There is no minimum payment period for repayment; customers may make payments towards their principal at any time following disbursement. Additional terms and conditions apply.

Minimum Effective Annual Percentage Rate: 30%*
Maximum Effective Annual Percentage Rate: 4432%*

Have questions? Visit www.zenka.co.ke to check out our FAQs
Ready to get started? Download the Zenka app and apply for a loan today.

Privacy and permissions: When you download Zenka, we will ask to scan your M-Pesa SMS and other information in order to verify your identity, creditworthiness, and provide you with one of the fastest loan in Kenya. We take privacy very seriously, and your personal information will never be shared without your direct permission.

How does it work?

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

2. Fill the 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 your 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.

The lender and the data controller of your data is Zenka Finance Limited with its registered seat in Nairobi. All information concerning the personal data processing including in particular the purposes of processing your data, categories of recipients of personal data and your rights you can find in our Privacy Policy.

Contact information:

Call center: + 254 020 765 0878
Email: [email protected]

Zenka Digital Limited
Mirage Tower 2, 12th floor,
P.O. BOX 29107-00100
Nairobi
Kenya