Zenka Unsecured First Loan : Product Details & How to Apply

Rates available from as of 1st April 2021
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Zenka Unsecured First Loan
Easy Apply
Ksh500 - 5k
61 Days
Interest Rate
Total Cost Including Institution's Other Fees
0% first loan only (9%-39% on subsequent loans)
Typically approved within 24 hours
visit website
Easy Apply

Loan Type

Unsecured Loans

Total Cost Breakdown (Loan Fees):

  • Interest Minimum: 0% (first loan only, 9%-39% on subsequent loans)
  • Interest Maximum: 0% (first loan only, 9%-39% on subsequent loans)
  • Processing fee: 0
  • Insurance Fee: 0

Disbursement Details

  • Application Method: App/USSD
  • Disbursement Method: M-pesa

Repayment Details

  • Repayment Frequency: Bullet
  • Early Repayment: Allowed
  • Repayment Method: Bullet

Eligibility Requirement

  • Smartphone: Required
  • CRB: Must be in good standing
  • Income: No Minimum
  • Employment: Not required
  • Network: Not Required
  • History: Not Required


Representative Example of Loan Costs:

  • Example Loan Amount: ksh1,000
  • Representative Loan Cost: 0%
  • Total Loan Repayment Amount: ksh1,000

This product is provided by Zenka Finance Limited. Zenka Finance Limited is a Credit-only Lender licensed under the Central Bank (Amendment)Act of 2021 and regulated by the Central Bank of Kenya.

How to apply

Money254 Review


  • No interest or processing fees charged to this loan if you sign up with a new Zenka account. This offer applies to your first loan on a new Zenka account only, afterwards, subsequent loan interest rates are between 9% and 39%.
  • App based application, no paperwork
  • Formal employment not required


  • Late fees relatively high (1% daily)

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How to Apply for Zenka Loan, App, Repayment, Fees, Contacts

Zenka is a mobile loan app offered by Zenka Kenya, a product of Pata Mkopo Company Limited. The mobile app is available both on the Apple Store and the Google Play Store, with over 1 million downloads and a 4.0 out of 5 star rating on Google Play.

Zenka loan has a repayment duration of 61 days.

Apart from the app, Zenka loans are also accessible via USSD code *841#.

Who Is Eligible for Zenka Loans?

Zenka Loan Limits and Interest Rates

How to Grow Your Zenka Loan Limit

How to Register Using the Zenka App

How to Apply for Your First Zenka Loan Using the App and USSD code *844#

How to Make Zenka Loan App Repayments Via M-PESA, USSD and on the App

Zenka Late Fees and Penalties

Zenka Loan Repayment Date Extension

Zenka Member Get Member, Privacy & Permissions

Zenka Loan App Reviews and Contacts

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