zenka app REGISTER APPLY QUALIFY for loan

zenka loan APP [2024]: How to register, apply, borrow and qualify for a loan – App | USSD

Need to apply for a quick cash loan that will be sent to your phone via mpesa, then you need to get the Zenka loan app. It has a simple registration process. Not only that, you can easily and quickly borrow and apply for a loan directly from your mobile phone. For all phone types, android, iPhone ios and also none smartphones (kabambe). Just follow this guide for zenka registration and application to qualify for your loan.

zenka app register apply qualify for a loan

One of the new loan apps in Kenya, zenka loan app – Kenya, has become a very popular money lending source for emergency cash situations. With over 5 million downloads of the zenka app on the Android Play Store! That’s crazy!

This shows that Zenka is lending money quickly and efficiently to many Kenyans. Especially if you need cash urgently and you don’t have security to offer for a loan. The good thing is, zenka loan application form online free download. Here is how you apply for a zenka loan.



How to apply for a zenka loan

The zenka loan app allows you to apply for a loan both on your android phone and also on your iOs Apple iPhone. In addition to that, there is another way users can apply for a loan without using a smartphone, by using the Zenka USSD number (borrow loan for non-smartphone users). For those asking ‘ how can I get Zenka loan through SMS? ‘

So no matter the mobile phone you have, whether a ‘kabambe / mulika mwizi‘, an android phone, or an Apple iOS phone, you can apply for a loan on Zenka.

We shall start with how you can apply for a Zenka loan by following very simple steps on your Android phone.

Steps on how to apply for a Zenka loan using the Android app

When applying for a Zenka loan, make sure you have downloaded the Zenka app and completed the zenka application process then follow these steps:

  1. Open the Zenka app.
  2. Press ‘sign in
  3. Confirm the mobile number then press next.
  4. Key in your 4-digit PIN and press sign in.
  5. You will see how much money you qualify for and the number of days to repay.
  6. Press ‘Apply now
  7. Confirm the loan summary details which include ‘Total amount‘, ‘Due date‘, ‘Next repayment‘, ‘number of installments‘, and ‘principal‘.
  8. Select ‘GET LOAN‘, on Zenka loan app Kenya.
  9. Next, your application will be reviewed.
  10. You will then receive an SMS from Zenka SMS number 40730 informing you that your loan is being processed.
  11. Finally, your loan will be sent to you through m-pesa. This takes about 5 minutes.

That’s how you apply for a loan using the Zenka android app. To complete this zenka loan application process, there is no need to fill in a physical application form. Not only that, the loans are sent within five minutes to your m-pesa account. So, it’s fast and easy to get cash from Zenka loan application form online through the app. 

Apply for a Zenka loan with no smart phone – Using a kabambe phone

If you do not have a smartphone, no need to worry. You can also apply for a loan using the Zenka loan USSD code.

The Zenka USSD service is available on all phones. This is because it uses the phone dialing feature. People ask ” How I can get Zenka loan through SMS? ” a lot. Now, you can click here to see the complete step by step on how to access mpesa cash without a smartphone. That means you don’t have to have Zenka loan app download latest in Kenya to access cash from this app. 

To access Zenka loan via USSD, the user dials the code *841#. The good thing about this phone dialing feature is that it is on every phone. No need to install the app on your Android phone or iPhone when applying for a Zenka loan using USSD.

So if downloading the Zenka app is a hustle, you can use the zenka loan USSD code *841#.

Follow the steps below to apply using the USSD code for Zenka loan.

Steps on how to apply for a zenka loan using zenka USSD code *841#

Need to apply for a zenka mobile loan and you don’t have a smartphone, follow these steps.

  1. Dial *841# on your phone.
  2. Next, enter your user PIN.
  3. Select ‘Apply for full limit‘ or the amount you need.
  4. Next, you will be shown how much you qualify for.
  5. Select the loan amount you need.
  6. Choose the loan repayment period and confirm.
  7. Your loan will be sent directly to your phone on your mpesa account.

Apply for a Zenka loan on iPhone apple iOS phone

Zenka also has an app for iPhone users. Once you download and install it on your phone, follow the same procedures for android users.

It is one of the loan apps in Kenya offering cash straight to mpesa that works well on iPhone. Most iOs users know that apple has very strict rules for the apps on the apple store. 

So what makes Zenka so popular in Kenya?

Have you ever had a situation where you needed an instant loan? For example, your rent is due and the landlord is on your case seriously. Or, you are cooking for guests and your gas runs out without warning, na wageni wako sitting room wakingoja chai? Such situations call for quick easy loans that you can access directly on your mobile phone through mpesa.

That’s where Zenka loan app comes in, with its quick and easy loan application process; you can apply and qualify for a mobile loan quickly.

When it comes to Zenka, you can apply for a loan using a smartphone through the Android app. Not only that, if you don’t have a smartphone you can use any phone, including a kabambe to apply for a loan using the USSD code #841*.

Steps you need to follow are; downloading the zenka app, registering for a zenka account, and finally applying for a zenka loan.

zenka app how to apply for a loan

How to download zenka loan app and install it on your phone

Follow these steps to download Zenka on your phone and apply for a loan.

  1. Open the google play store on your phone, or click here to go to the zenka download page.
  2. Type ‘zenka loan app‘ and press enter
  3. Select the ‘Zenka loan app’
  4. Press the ‘install‘ button.
  5. Select ‘accept‘ to agree to the access rights the app will have.
  6. Wait for the zenka app download to complete and it will install automatically.
  7. Next, press ‘open’.

To gain access to the Zenka mobile loan using the app, you first need to download the application from the Google Play Store. However, if you have an issue getting Zenka from Play Store, you can get a Zenka loan app apk download and install it on your phone. 

You will now be able to use the app to apply and qualify for a loan after you have registered for an account. The Zenka loan app download when downloaded is 10 MB. However, when zenka is fully installed with all its features, it uses about 90 MB of space.

Space needed for Zenka loan app download

If you are wondering how much space you need to install the zenka loan app on your phone and to complete the Zenka loan app download, you must have at least 100 MB of free space. Also make sure sure you have enough internet bundles, a minimum of 20 MB, or a stable wi-fi connection.

To apply for a zenka loan, you will first have to register for a zenka account. Then next, you will access the zenka app and begin applying for a loan.

Here we will take you step by step in requesting for a loan on Zenka loan app.

Register for a Zenka loan account on the app

Follow these steps to register for your Zenka account

  1. Open the Zenka loan app
  2. Next press ‘register‘ where it says ‘New customer? Register here:’
  3. Now, Enter your mobile number. 07** *** *** Note, zenka loan is only available to Safaricom subscribers
  4. Press ‘next
  5. You will need to fill in your ‘basic information about you
  6. Start with your ‘first name‘, ‘last name‘ and ‘National ID‘ number.
  7. Next, you will need to fill in the ‘Tell us something more about you‘ section.
  8. Select your ‘education level‘ (Basic/Secondary, Vocational Training, Undergraduate, Post Graduate Diploma/Graduate), ‘source of income‘( Employed – Public sector, Employed – Private sector, Self-employed, unemployed, student), ‘net monthly income‘ (<20,000, 20,001 – 30,000, 30,0001 – 50,000, 50,0001 – 100,000, >100,000) and ‘email address‘.
  9. Next, you will need to secure your account by filling in the ‘help us secure your account‘ section.
  10. Start by selecting your security question. ‘What is your mother’s maiden name’, what town were you born in? what high school did you go to?
  11. Then enter a 4-digit PIN where it says ‘create a 4-digit PIN’. Note, your PIN cannot be repeated numbers i.e. the same number e.g. 1111, or numbers that follow each other e.g. 1234
  12. Enter promo code AJWBG
  13. Now press ‘AGREE AND SIGN UP’
  14. You will receive a confirmation SMS from Zenka confirming that ‘your registration was successful’
  15. Next, verify your mobile number using the SMS code sent to you by Zenka.
  16. The final step is to invite friends, but you can skip this step by pressing ‘No thanks’.
  17. You are now ready to apply for a Zenka loan.

Get a more detailed step by step on how to register for zenka by clicking here. You will need to complete the steps for zenka loan app login. 

Note: When you are filling in the zenka online registration form for your loan application, be sure to type in your name as it appears on your national ID. This is the only way you’ll be sure of how to get a loan from Zenka. Failure to do this will result in the app showing you an error saying the names do not match. Once this is done, Zenka loan app login registration process into the app will be successful. How to register Zenka loan will now have been completed successfully. 

How to register for a zenka loan via USSD code *841#

To use the Zenka loan app USSD code, Dial *841# on your phone and follow the steps.

UPDATE: You can apply for a loan on the Zenka USSD loan platform without installing the app on your phone. You will simply need to dial *841# on your phone or *483*101# and follow the steps. Start by registering and then proceed to find out how much money you qualify for as a loan. That’s the process for getting *841# loans online.

Zenka login without app

If you are in a situation where you need a Zenka login without app, then you can use the USSD code to access your account. Just dial *841# on your phone and proceed to input your PIN. Not only that, this is the same way you can apply for a Zenka loan without a smartphone. You do not need the internet when using this method, so you can get a Zenka loan offline application by using the USSD code.

Zenka Promo Codes

Do you need a Zenka promo code? Then you can use the following Zenka promo code in 2024, AJWBG.

Rights zenka needs to access on your phone

You are on your way to finishing learning how to borrow money from Zenka. Although, the loan application process for Zenka is automated. So, to be able to do this, the mobile loan app requires access to a few rights on your mobile phone.

These are the rights that you need before you install Zenka loan app.

  • Identity
  • Contacts
  • Location
  • SMS
  • Phone
  • WI-FI connection information
  • Device ID and call information

    Once you have given access to these rights, you can now borrow loan from Zenka.

Loan repayment

Once you have applied and were able to get a Zenka loan, you will need to repay the amount borrowed. Keep in mind that the amount you borrowed, if it is your first time, will not be charged any interest rate. And make sure you use the following promotion code AJWBG when applying for the loan.

The loan repayment period for a Zenka loan is 61 days. This is normally done in two installments. The first installment is to be repaid after one month, that is the 1st 30 days. Then the second installment is to be paid before the 61-day deadline.

Repay Zenka loan using the app

Follow these steps

  1. Open the zenka app (make sure your data is connected)
  2. Press sign in.
  3. Confirm your account and press next (Zenka account is your Safaricom telephone number)
  4. Input your 4-digit PIN and press SIGN IN
  5. Select the REPAY NOW option
  6. Next, select the amount you want to pay either ‘Full amount due‘ or ‘choose specific amount
  7. Press REPAY NOW
  8. Wait for the mpesa xpress screen to pop up.
  9. Next, Enter your m-pesa pin and press OK.
  10. Zenka will send you an SMS from 40730 confirming your loan payment.
  11. Your total amount due will be updated to reflect the total amount due.

That is how you repay your loan. One thing you should note is that Zenka has an interest rate on the money borrowed known as a processing fee. Also, pay attention to late fees and penalties that zenka charges for loans that are not repaid on time.

Zenka loan limit

If only banks and mobile loan apps could offer unlimited amounts of money! Wouldn’t that be something?

Unfortunately, that is not the case.

This also applies to the app, and that is why zenka has a loan limit. With zenka, the minimum amount you can apply for is Ksh 500. The maximum amount you can qualify for has been increased from 30,000 to Ksh 80,000.

However, you should note that this depends on how you apply for the loan you want to borrow, either on Zenka app or by dialing USSD *841#. This will determine whether you get Zenka loan limit 5000 or 500 Ksh. If you apply for a loan on the zenka app, the loan limits are Ksh 500 – Ksh 80,000. On the other hand, when applying for a loan using Zenka USSD code, the loan limits are Ksh 500 – ksh 10,000.

How do you grow your Zenka loan limit?

There are several ways you can grow and increase your Zenka loan limit. However, the most effective way of doing this is by making sure you repay your loan on time, borrowing as often as you can on the app, and transacting often using m-pesa.

Repay zenka loans on time

When you make sure your Zenka loan is repaid on time, you indicate to the app that you are not a risk to lend money to. That means you are a good borrower. Given the fact that the Zenka loan app doesn’t require you to give security when applying for loans, the app uses advanced tech to create a financial profile of you. Making late payments for your loan indicates you are not a trusted borrower. Meaning your loan limit will not grow.

Borrow often on Zenka app

The more you borrow and repay your loan from Zenka, the more you build your record with the app. This way, the app can create an accurate history of transactions. With more transactions, the more your limit grows.

Transact often on m-pesa

Finally, make sure you transact often on mpesa. The reason for this is that one of the criteria Zenka uses to qualify you for a loan is checking your messages, especially m-pesa messages. As a result, the more you use m-pesa, the higher your chances are of growing your loan limit.

How do you check your Zenka loan limit?

To check your Zenka loan limit, you will need to log in to the app. Once you have entered your username and password, you will enter the Zenka app homepage. On your home page, you will see a breakdown of the total amount due, I would like to borrow, for days and apply now.

Now that you have answered the question ‘How do I check my Zenka loan limit? ‘, maybe you may be wondering how much your first loan limit on Zenka will be. If you are borrowing a loan for the first time on the app you can get a zenka loan limit of 5000 Ksh. However, this depends on a few factors. Generally, Zenka first loan limit ranges from between 500 Ksh up to 7500 Ksh. Wondering why is Zenka not giving me loan, see the reasons by clicking here

Zenka loan interest rate (processing fee)

When applying for a loan, most people are aware that the money lent comes with a fee on top called an interest rate. That is how companies and business institutions that give out loans make a return on their money.

So, does the zenka loan have an interest rate? Well, zenka charges a processing fee of between 9-29% for any amount borrowed. It is not categorized as an interest fee as such but works the same way.

However, you will note that for people applying for a loan for the first time on the zenka lending platform, the first loan attracts no processing fee.

What this means is that you will apply for a loan and receive your money. When the time comes to repay the loan, normally after 61 days, the amount will attract a 0% “interest rate”.

Loan repayment period

When it comes to the loan repayment period for a zenka loan, the app offers you 61 days. Not only do you have to repay your loan in 61 days, but also you do this in 2 monthly installments.

The first repayment installment is to be done in 30 days. Once the first installment is paid, the next installment of your loan is to be done before the 61 days are over. Make sure you strictly follow this repayment schedule to avoid the consequences of late loan payment.

Are you not able to repay your Zenka loan? Then no need to worry. You can get a loan extension for a small fee. Check the step by step guide below on how to apply for a Zenka loan extension.

How to apply for a Zenka loan extension

Here is how to get a Zenka loan extension. Follow these steps

  1. Open the Zenka loan app (make sure you are connected to the internet)
  2. Press sign in.
  3. Confirm your account and press next (Safaricom telephone number)
  4. Input your 4-digit PIN and press SIGN IN
  5. On the main app screen select ‘NEED MORE TIME TO REPAY‘ option
  6. You will get options to extend your loan by either 7, 14 or 30 days. Each with a fee.

What penalty do you pay for late payment of Zenka loan?

Sometimes things happen and you are in a fix with cash. This means you aren’t able to repay your loan.

So what is the Zenka loan penalty when you make a late payment of money borrowed? As a customer, zenka will charge a 1% penalty rate of the amount borrowed (principal) every day you don’t repay the loan.

They say kuomba harusi, kulipa matanga. With this in mind, make sure you repay your Zenka loan on time to avoid this 1% per day loan penalty. However, you can always request a Zenka loan extension to buy time as you look for money to repay your loan.

Zenka Member get member – make money by inviting friends to borrow on zenka referral program

The zenka member get member (MGM) is a referral program that allows you to invite friends to use the loan app. You do this by recommending zenka to other users by using a unique code. The code for saidia is AJWBG.

Now it’s up to your friends to use this unique code when they are registering their own Zenka account. This is after downloading and installing the Zenka app on their phone.

After the friend you invited applies for their 1st loan and repays it in full, you as the person who referred them to use the zenka app, will get a bonus amount in your Zenka account.

The loan app pays out a minimum amount of KES 200 in bonuses accumulated only if five friends have applied and repaid their loans in full.

Once you receive the bonus in your Zenka account, you can use it in the following ways; to pay off your outstanding loan with Zenka or have the money sent to your mpesa account. Check out this guide by zenka about the member get member program terms and conditions.

Some of the popular celebrities who use zenka and apply the zenka member get member referral program are like jalangoo, mca tricky, pascal tokodi, Alex Mwakideu, Kamene Ngoro, Esther Chebet, Mwende Macharia and Billy Miya.

Video link Jalango Promo: https://instagram.com/p/B8s-x20FW5l/

Zenka contacts: Telephone number, email, Twitter and Facebook

Have a challenge with the zenka app and need to contact customer care to assist you? Then you can do so by using these zenka contacts.

Telephone number: +2540207650878

Email address: [email protected]

Facebook page: Zenka Facebook.

Twitter page: @zenkafinance

Forgot your Zenka PIN? Here is how you can reset it. Follow this step by step guide below.

Steps on how to reset your zenka app PIN

  1. Open the zenka app (make sure your data is connected)
  2. Press sign in.
  3. Confirm your account and press next (Safaricom telephone number)
  4. At the top right corner of the screen, select Forgot PIN
  5. You will be asked your [link: security question]security question.
  6. Input/type in the secret answer and press CONTINUE
  7. You will receive an SMS from Zenka with your new PIN
  8. Key in your PIN and access your Zenka account.

It’s good to note that for you to reset your Zenka PIN, you will need to type in the answer to the security question.

Zenka app security question

When you are registering for an account on the Zenka app, you will be asked to select a security question. This question is used as a backup in case you forget your PIN number.

You will normally do this under the ‘Help us secure your account’ section. Choose one question to answer from the 3 options which are;

  • What is your mother’s maiden name?
  • What town were you born in?
  • What high school did you go to?

Finally, make sure you note down your answer somewhere secure where you can easily refer to it if you need it.

Terms and conditions

Here are the main terms and conditions for applying for a zenka loan;

  • There is a one-time processing fee of between 9-29% of the principal amount borrowed.
  • There is no minimum payment period, meaning you can repay the borrowed amount (principal) at any time after receiving the money (disbursement) to your m-pesa account.
  • Loans are only available to Safaricom mobile users.


Zenka is a very reliable and easy app when it comes to borrowing mpesa loans in Kenya. That is why many Kenyans trust and use it and also has been endorsed by many influencers. You should consider downloading and installing the Zenka app on your phone and applying for your first loan. 

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