Zenka Loan App 2023 Download Guide in Kenya


Zenka loan app is considered one of Kenya’s best mobile loan apps. This is because their first loan is free of charge.

Because of this, Zenka App is yet another popular instant loan mobile app available on the Google Play store. Did I say popular? Yes!, How popular is it? And what does it offer?

What is Zenka Loan App?

This might surprise you because the Zenka app is a mobile-based loan app in Kenya owned by Zenka Finance Limited.

One can only download the loan app from the Google Play store. But what makes it more interesting is that you can also access the Zenka loan from the USSD code.

This means you don’t have to own a smartphone to apply for and get a loan from Zenka Kenya.

Zenka app currently works on Android devices and is available for download only on the Google Play store. Being a popular loan app on the market, Zenka has more than 1,000,000+ downloads on the Play store. 

In addition to the above, at the time of this writing. Zenka loan app has a star rating of 4.2 that was brought about by reviews of 17,314 users.

With a size of 6.1 MB, the loan app requires a phone with a minimum Android version of 4.4 and above to download and install.

Zenka Loan Features.

Although this may be true, Zenka has the following features on its loan products.

  • Their first loan is FREE! ( No Commissions, No Interest rate, or other additional charges).
  • Zenka loan terms start from 1 day with a minimum loan amount of Ksh 500 to Ksh 20,000.
  • You can top up your existing loan. This is possible if you’ve already made partial payments to the current loan to a certain percentage.
  • With Zenka, extending your loan due date by 7, 14 or 30 days is possible.
  • Lastly, you can borrow twice if you haven’t reached/exhausted your loan limit.

Loan Interest Rate and Charges

Regarding interest rates and other charges, Senti loan interest rates vary and depend on the loan repayment period.

How does Zenka Loan App Work?

You can access Zenka loans using two different ways.

  1. Via USSD code
  2. Through the Zenka loan app.

Via the App

To get your first Zenka loan from the app

  1. Open the Play Store On your phone and search for the “Zenka loan app”.
  2. Download and install the app.
  3. Open the app to register/sign up, and then fill out the short Zenka loan application form.
  4. Choose the loan amount you wish to apply for in addition to loan terms, and then wait for evaluation from the Zenka team.
  5. If your loan application is successful and approved, your loan will be disbursed straight to your M_Pesa account.

Via USSD Code

Use the Zenka USSD code to access your loan. Your Safaricom line needs to be active and has sufficient airtime in the first place.

To access the loan menu, Dial Zenka’s USSD code *841# and follow the system command prompts to complete your loan application process.

How do I repay my loan?

For the sole purpose of this post, here is how to repay the Zenka loan app loan. You can repay your loan through any of the following methods.

To repay your Zenka loan;

Through the Zenka loan app

  • Open the loan app and scroll down to the bottom of the page.
  • Click on the “Repay” button, and then you can either select or edit the default repayment loan amount.
  • Lastly, click the “Repay now”  button and follow the loan repayment user prompts to complete your transaction.
  • An SMS notification will be sent to you to confirm your loan repayment.

Via Zenka USSD code

To repay your Zenka loan on USSD, use the following procedure.

  1. Call the *841# on your phone and enter your 4-digit secret PIN.
  2. Select the “Repay” option to reveal details of your loan balance.
  3. Next, select the “Repay total amount and follow the in-built system prompts to complete your transaction.
  4. You will then receive an SMS notification confirming your loan repayment.

Zenka Loan App Contacts.

In case you are stuck or experiencing issues with the loan app. You can contact the Zenka support team through either one of the following methods.

  • On Google Play Store via the app reviews section.
  • Via email: [email protected]
  • Lastly, you can also contact the support team via phone by calling their call centre number + 254 020 765 0878

Other similar loan apps like Zenka include:

  1. HF Whiz loan app download.
  2. How to get a loan from the Timiza loan app.
Simon Mwangi
Simon Mwangi is a finance expert and talented freelance writer with a background in banking and accounting. He simplifies complex financial concepts and produces top-quality content on various topics. Follow him on Linkedin to stay up-to-date on his work and connect with him.

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