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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 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:
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.
As of May 25, 2026, Zenka is rated 4.3 on the App Store from 819 reviews and 4.2 on Google Play from 146.9K reviews with 10M+ installs.
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