Zenka Loans App Full Review, Pros and Cons

Finance Loan

Carson O.
3 Min Read
FILECourtesy - freepik.com
  • 5M+ Google Playstore downloads
  • Fast loan disbursment
  • Easy to apply for a loan
Review Overview

Zenka Digital, a mobile-based lending platform, has made a significant impact in the Kenyan market, with a substantial user base of over 5 million downloads. In this article, we will provide a comprehensive analysis of the platform, highlighting its strengths and limitations, to aid individuals in making a well-informed decision when seeking loans. Through a detailed examination of the features and capabilities of Zenka Digital, you will gain a deeper understanding of the app and be able to evaluate whether it aligns with their lending needs.

Here are important details about the Zenka loans app you need to know

Rating: 4.5 out of 5.
Access ApplicationGoogle Playstore/ Apple Store
Playstore Rating4.2/5.0
Download Size11-12 MB
Required OSAndroid 4.4 onwards
Email[email protected]
Offered ByZenka Digital
USSD Code*841#
Alternative Application MethodN/A
Registration feeFirst-Time Interest of 9%-39%
Loan limit (KES)500-30,000
Interest rate70.1% per annum
Repayment window61-180 days
Additional chargesDefaulters’ Interest
Age Limit18 Years
Minimum RequirementsNational ID, M-Pesa History                                                                                                                                                                                                                                                                                               
Repayment Paybill Account Number979988

Your Registered Phone Number
zenka loans app Details


  • No hidden fees
  • Very simple and easy to register
  • Disbursement of the loan is very fast


  • The mobile-based lender shares your location, your name, User ID, financial information and device IDs with third parties.
  • Users have reported difficulty accessing another loan after repayment of the previous one.
  • High-interest rates


Zenka Loans App has a wide array of permissions as listed below;

  • Contacts
  • Messages
  • Financial info
  • App Activity, info and performance
  • Location
  • Device ID

How do I check my Zenka Loan Limit?

Being a first-time user or not, checking your loan limit is a really simple process. All you need is the application and you are good to go. Here are the steps:

  • Log in to your Zenka account
  • Details of your loan limit will be displayed in the app. Otherwise, the app will advise you to try again later.
  • You can also call or email Zenka Digital support.
Phone: +254 (0) 207650878
E-mail: [email protected]
Facebook Page

Address Line
Mirage Tower 2, 12th floor,
P.O. BOX 29107-00100
Review Overview
Star Rating 4.2 out of 5
VIA: Admin
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I am a multi-faceted professional with a strong foundation in Business and Finance, honed since 2020. Additionally, I possess a deep passion for automobiles, serving as an avid car enthusiast. In parallel to my diverse interests, I am also a dedicated student pursuing a career in the medical field.
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