---
title: "Zenka: Personal Loans in Africa — Fees"
description: "Apply for a mobile loan in Kenya and get M-Pesa payout. Borrow KSh 500–200,000 for up to 61 days; interest 2.45–39% and KSh 0 processing fee."
canonical_url: "https://liners.com/zenka"
markdown_url: "https://liners.com/zenka.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/zenka/screenshot.webp?v=1779738814132"
published_at: "2026-05-26T11:07:49.706Z"
updated_at: "2026-08-24T05:11:21.347Z"
---

# Zenka: Personal Loans in Africa — Fees

Apply for a mobile loan in Kenya and get M-Pesa payout. Borrow KSh 500–200,000 for up to 61 days; interest 2.45–39% and KSh 0 processing fee.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Zenka](/zenka)

## Summary

Get a mobile loan in Kenya with M-Pesa payout

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://zenka.co.ke/ |
| Tagline | Get a mobile loan in Kenya with M-Pesa payout |
| Primary country | Kenya |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Kenya](/countries/kenya): Market
- [Tanzania](/countries/tanzania): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/zenka/alternatives)
- [Reviews](/zenka/reviews)
- [Transparency](/zenka/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/zenka)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)