zenka app repay zenka loan

How to repay zenka loan through Zenka paybill number and from app

Once you apply and qualify for money, you will need to repay the Zenka loan amount borrowed. Here is a step-by-step guide on how to pay back your Zenka loan using the app and also using the Zenka Mpesa paybill number. 

Here are the two main ways how to pay Zenka loan. Directly through the app and through the zenka loan paybill number 979988.

The good news is, that if it is your first time borrowing money using the Zenka app, you will not be charged any interest rate when paying back the loan. That is what makes Zenka one of the best loan apps in Kenya. By literally giving you the first loan you borrow and repay on time, free of charge.

Zenka mpesa paybill no

The zenka m-pesa paybill number is 979988.

Zenka mpesa paybill number

How to pay Zenka loan – Two Ways

Now, time to take you through how to pay zenka loan via mpesa, to repay your mobile loan which is due. Zenka offers you two main ways to do this; either directly through the app by logging in and selecting pay now or using their Mpesa paybill number 979988. Both ways of repaying are provided below in detail. 

You can also opt for a full repayment or a partial repayment of your Zenka loan, depending of cos on how much money you have at the moment. That is what makes Zenka one of the most flexible and customer-focused instant loan lending apps in Kenya. 

How to Repay zenka loan using zenka loan paybill number

Follow these steps to use safaricom mpesa pay bill number 979988 when repaying your Zenka loan.

  1. Open the mpesa menu.
  2. Select lipa na mpesa
  3. Choose the pay bill option
  4. Select Enter business number and input Zenka paybill number 979988
  5. Next, input your zenka account number. This is your Safaricom telephone number
  6. Input the amount to pay and Press O.K.
  7. Next, put in your m-pesa PIN to finish the transaction.
  8. Await for a confirmation SMS from Zenka.
zenka app repay zenka loan

Repay Zenka loan using the app

Here is a step-by-step guide on how to repay your Zenka loan on the app.

  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. 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 to pay back zenka loan. One thing you should note is that Zenka has an interest rate on the money borrowed. Also, pay attention to late fees and penalties that zenka charges for loans that are not repaid on time.

In addition to repaying the loan directly from the app, you can use the zenka paybill no 979988 to pay directly through m-pesa. In this case, you will use your Safaricom phone number as the account number. Follow the steps below to repay your loan using the m-pesa pay bill no.

Zenka loan repayment period

The zenka loan repayment period is 61 days. In addition to this, payments are made in two instalments after every 30 days i.e. each month.

For example:

If you have qualified for a Zenka loan of 2,000 Ksh, the 1st Ksh 1,000 will be repaid in 30 days and the remaining amount paid before 61 days.

Zenka full payment and partial payment

When you are repaying the loan you borrowed from Zenka, you have two options of repaying. You can either repay the full amount due, or you can choose a specific amount (partial amount) of the borrowed loan. 

This way of allowing loan borrowers to pay ‘ pole pole ‘ is a feature that makes Zenka stand out from other loan apps in Kenya. Also, it has led to the popularity of this mobile money lender locally. 

What is the Zenka loan interest rate* (processing fee)?

Zenka finance has made it clear that the app doesn’t have an interest rate on loans, instead, it charges a processing fee. The Zenka processing fee is between 9-29% of the money you borrow.

Late payment on your Zenka 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.

How to apply for a Zenka loan extension

If you are not able to repay your Zenka loan within the time given, you can apply for a loan extension at a small extra fee. The amount charged depends on how much the principal loan amount is.

Here are the steps on how to apply for a loan extension on zenka:

  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.

As a zenka user, please note that the fee for the loan extension is charged directly from your m-pesa account and not your zenka account. So, for your loan extension to be processed, make sure you have enough money to cover the zenka loan extension cost already deposited in your m-pesa.

Zenka Promo code

And make sure you use the following promotion code AJWBG to support Saidia when applying for a loan.


Zenka loan app offers mobile loan borrowers in Kenya a very easy and convenient way to repay their borrowed loans. Quickly and directly in the Zenka android app by logging in and pressing pay now, or through the Zenka mpesa pay bill no. 979988.

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  1. hi admin plz nisaidie becouse nimeenda steps zote sai but nikijaribu kujisajili na zenka inasema data yangu si sahihi kwanini na kila kitu nimeweka sahihi nitengenezee ili nijaribu kujisajili sai plz

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