Zenka Personal Unsecured Loan Details

Rates available from as of 1st April 2021
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Zenka Unsecured Loan
Total Cost
per loan
Typically approved within
visit website

Loan Fees:

  • Interest Minimum: 9% per Loan
  • Interest Maximum: 39% per Loan
  • Processing fee: None
  • Insurance Fee: None
  • Withdrawal Fee: None
  • Late Fees: 1% Daily
  • Other Fees: None

Disbursement Details:

  • Institution Type: Digital credit
  • Application Method: App Based
  • Disbursement Method: M-Pesa

Repayment Details:

  • Repayment Frequency: Monthly
  • Early Repayment: Allowed
  • Repayment Method: M-Pesa

Eligibility Requirement:

  • Smartphone: Required
  • CRB: Must be in good standing
  • Income: No minimum
  • Employment: Not required
  • Network: M-Pesa customer
  • History: No requirement
  • Documents: National ID
  • T&C Links

Money254 Review


  • App based application, no paperwork
  • Loan Limit grows over time
  • Formal employment not required


  • Low starting Loan Limit
  • 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.

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

Learn more about Personal Loans available in Kenya on Money254

Money 254 is a new platform focused on helping you make more out of the money you have. We've created a simple, fast and secure way to find and compare financial products that best match your needs. All of the information shown is from products available at established financial institutions that our team of experts has tirelessly collected. Instantly search loan products from established providers in Kenya and compare on the terms that matter most to you.

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