Zenka loan app download and application [NEW]


Zenka loan app is the latest Kenya’s microloan lending app developed by Zenka Kenya. The app currently offers personal loans which range from Kes 500 to Kes 20,000 on android smartphone and Ksh 500 to Ksh 10,000 via USSD.

The best thing about this loan app is that the first loan if interest-free. That is to say, if you borrow Ksh 500 for the first time, and repay the same amount. Isn’t that cool? In addition to that, you get to access and borrow Zenka loan without using a smartphone.

So, we at UrbanKenyans have carefully reviewed the app, and we can say with much confidence that it is the best loan app next to Tala. This is based on reviews on the Google Play store and customer feedback on their Facebook page.

You may also like other loan apps in Kenya.

Zenka loan app download, registration, and application

How it works

Zenka finance, allows you to borrow money quickly and instantly through the mobile app. The borrowed amount is then delivered straight to your Mpesa account within a short time.

The app works both on smartphones and ordinary phones via USSD by accessing your phone data such as phone type, SMS, call logs, airtime credit among other things as shown in the picture below.

This information is used to calculate your loan limit. So next time you’re out shopping for a new phone, choose wisely, you never know 🙂

How to register for a loan with Zenka

Registration with Zenka is quite easy as compared to other mobile loan apps, all they need from you is to fill their online application form with your basic biodata such as your first and last name, National ID, Then, you have to answer a security question from the list of choices provided and lastly and more importantly a 4-digit PIN. ( PIN YAKO SIRI YAKO)

To register with Zenka on an Android smartphone

  • Open the Google play store to download and install the Zenka app on your phone or click here to access Playstore directly.
  • Open the app and select your loan amount and duration
  • Click on the “Apply for loan” menu button.
  • On the next screen, click on the “Sign up” button.
  • Here, enter your name and National ID number.
  • Choose a security question and enter your answer
  • Provide your 4-digit PIN and then, click on the link shown to read the Terms and Conditions for the loan.
  • Click on the “Agree and sign up” button
  • If successful,  you will receive an SMS with a 4-digit verification code.
  • Enter the code and click “Done”.
  • You’re now good to go and can proceed with the loan application.

To register via USSD, dial the USSD Code *483101# and follow the system prompts.

How to apply for a loan via USSD

  • Dial *483101#
  • Enter your user PIN and select “Apply for a loan” option.
  • A notification will be displayed showing your loan limit
  • Select “Apply for Full Limit” or enter your desired loan amount.
  • Select the loan repayment period, and you’re done.

If the loan application is successful upon verification, the loan amount will be dispatched straight to your M-Pesa account.

How to repay Zenka loan via USSD

Here is how to repay Zenka.

  1. Dial the 483101# on your phone
  2. Enter your secret 4-digit PIN.
  3. Select the “Repay” menu option; your current loan balance will be displayed.
  4. follow the system user prompts to complete payment
  5. You will then receive an SMS notification, and your loan will be closed.


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Rafa'el was born and raised in Kakamega, Western Province. He is an Electronics Engineer with a key interest in computer technology, finance, and general lifestyle. He currently lives in Nairobi city and is 6ft tall for no reason. MORE HAPPIER THAN NOT is his passion for Blogging on almost everything.


  1. Hi I have tried using USSD but my request for a loan is not being processed what might be the problems, please I need your assistance.

  2. Have payed my loan 3weeks ago from zenka and when am trying to open again it show me sorry we can’t save you I stay chat with them and there Dailly customer plz I need your help

  3. I like to apply the loan from zenka and it is my first time to apply,will i qualify for the loan? Wait for your reply


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