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A mobile loan app for consumers in Kenya to apply for personal loans and receive disbursement to M-Pesa, with terms up to 61 days and risk-based pricing.
Zenka Product Overview
Is Zenka Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Kenyan consumers
- M-Pesa users
What It Does Well
- Loan application by phone
- M-Pesa loan payout
Things to Check
- Repayment deadline options
- Total repayment cost
About Zenka
Zenka is a mobile personal loan app for individual consumers in Kenya that lets users apply for short-term credit on a smartphone and receive approved funds to M-Pesa.
Key capabilities include:
- In-app loan application: Download the app, select a loan amount, sign up, and submit an application for evaluation.
- M-Pesa disbursement: Approved loans are sent directly to the user’s mobile money account.
- Loan size and terms: Loan amounts range from KSh 500 to KSh 200,000, and customers can express a preference for loans up to 61 days.
- Risk-based pricing: An interest fee of 2.45% to 39% of principal applies, with a stated processing fee of KSh 0; the site gives an example of KSh 390 interest on a KSh 1,000 loan for 61 days (total due KSh 1,390). Minimum effective annual percentage rate is 30% and maximum effective annual percentage rate is 4432%.
Available on Web (information site), Android, and iOS.
Target users are B2C borrowers in Kenya who need mobile-based personal loans paid out to M-Pesa, including people who want to build a higher credit limit through timely repayment.
Notable in the Kenyan market, the service is operated by Zenka Digital Limited in Nairobi, and its website lists local awards from 2019 and 2020 related to mobile lending.
Zenka Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
Pricing & Fees
Variable pricingPricing varies: loans up to 61 days; interest fee 2.45-39%* of principal (risk-based); Processing Fee: KSh 0; Loan Amount: from KSh 500 to KSh 200,000; Minimum Effective Annual Percentage Rate: 30%*; Maximum Effective Annual Percentage Rate: 4432%*.
As of Oct 5, 2026, Zenka is rated 4.3 on the App Store from 1K reviews and 4.2 on Google Play from 148.8K reviews with 10M+ installs.
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Frequently Asked Questions About Zenka
Zenka is a mobile personal loan app in Kenya that lets you apply for short term credit on your phone and receive approved funds directly to your M-Pesa account. You download the app, sign up, select your preferred loan amount and term, then if approved the money is disbursed to your mobile money, and you repay within the agreed period with options for extensions and top ups.
Zenka uses risk based pricing, charging an interest fee of approximately 2.45% to 39% of the principal with a stated processing fee of KSh 0. For example, a KSh 1,000 loan for 61 days may incur KSh 390 in interest (total KSh 1,390), and the minimum effective annual percentage rate is listed as 30% while the maximum is 4432%.
Zenka currently operates in Kenya and provides loans to users with Kenyan mobile money (M-Pesa) accounts.
To sign up for Zenka, download the Zenka app, tap Sign up, then enter your first name, last name, National ID, choose a security question and answer, set a 4 digit PIN, agree to the terms, and confirm the SMS verification code you receive. Once registered, you can select a loan amount and term, submit your application, and if approved the loan is sent to your M-Pesa account.
Yes, Zenka is available on iOS and Android. You can download Zenka on the App Store for iPhone, or get it on Google Play for Android.
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