Zenka Personal Loan: Product Details & How to Apply

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Zenka Digital
Unsecured Loan
Loan Amount
Ksh500 - 42k
Loan Period
61 Days
Interest Rate
9% - 39% per loan
Total Cost
(incl fees)
9% - 39% per loan
Product Details
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Total Cost Breakdown (Loan Fees):

  • Interest Minimum: 9% per Loan
  • Interest Maximum: 39% per Loan
  • Processing fee: One-off fee ksh 45- ksh 5,800 depending on Loan amount
  • 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

Representative Example of Loan Costs:

  • Tenure: This is a 61 days Loan.
  • Example Loan Amount: ksh10,000
  • Representative Loan Cost: 39%
  • Total Loan Repayment Amount: ksh13,900

This product is provided by Zenka Digital. Zenka Digital 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

Our Review
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  • App based application, no paperwork
  • 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.

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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Money254 strives to provide relevant and accurate product information, which Money254 obtains directly from each institution’s tariff guide. If you believe a product’s details are incorrect, please report the product to Money254.

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