Zenka loan limit guide: Check & Get from 500 Ksh to 100,000 Ksh

When borrowing money through the app or USSD, you will be given a Zenka loan limit. This limit refers to the maximum and minimum amount you can receive after downloading and installing the Zenka app to borrow a cash loan. Here we take you through how to check how much does Zenka give after selecting this app as your preferred mobile loan app in Kenya.

What most people want to know is the Zenka first loan limit in Kenya. This will depend on your credit status and if you qualify for a loan on the app. But usually, your Zenka first loan limit will range between Ksh 500 and Ksh 7,500. If you want to learn more about how you can increase your Zenka first loan limit 500 up to 5000, or even 100,000, check out how to do that here. Hopefully, that has helped you answer the question ‘ What is the first loan limit on Zenka? ‘

This article will take you through the loan limit for Zenka, how to check your Zenka loan limit, tips on how to grow your limit on Zenka, and how much you qualify for when you register on Zenka as a first-time borrower.

What is a Loan limit?

This refers to the minimum or maximum amount of money that you as a borrower can qualify for on a loan app. Different loan apps offer different amounts when it comes to loan limits. Many factors determine how much money you can qualify for on your loan limit.

These factors include but are not limited to; income, employment status, education, credit history, frequency of borrowing from the loan app, and lending policy of the app.  

When it comes to your loan limit, note that this amount is not a fixed amount. Instead, it’s a dynamic figure that usually changes over time depending on the factors that have been mentioned above.

What is the loan limit for Zenka?

For customers who want to take a loan from Zenka, the app normally gives you a loan limit. This refers to the minimum amount you can qualify for and also the maximum cash that Zenka can loan you when you borrow money from the loan app or using the USSD code.

The minimum loan amount limit Zenka loan offers is Ksh 500. This means that if you are a registered user on the Zenka loan app, and have met the minimum requirements to get a loan from Zenka, then your lower limit will be a loan of Ksh 500.

On the other hand, the maximum loan limit Zenka offers is Ksh 80,000. Quite a decent cash loan that registered users can qualify for on Zenka. The maximum limit has increased by a large amount, from 42, 000 to Ksh 100,000.

Also, if you want to apply for a loan on Zenka without a smartphone, then the loan limit for USSD *841# users is Ksh. 500 for the minimum and Ksh. 10,000 for the maximum.

Note: Your Zenka loan limit isn’t set in stone – it’s a dynamic figure that can increase or decrease over time. When borrowing a loan from Zenka, the loan limit you qualify for depends on your creditworthiness as a client.

First loan limit on Zenka – Limit for first-time borrower

So you want to apply for a loan on  Zenka for the first time?

You must be wondering whether it is a waste of time or worth the effort. Hence you need to know what the first loan limit on Zenka is.

Well, for first time borrowers, the Zenka first loan limit will range from between Ksh. 500 and Ksh. 7500. There are many factors that will bring this about. One key factor that Zenka considers is creditworthiness.

As a new user make sure you download the Zenka app, and complete the registration process. Then follow the step-by-step guide to apply for a loan

When you continue borrowing and repaying your loans on time, you will slowly grow your Zenka loan limit 5,000 or even more.

How do I check my 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 ‘ total amount due ‘, ‘ I would like to borrow ‘, ‘ for days ‘ and ‘ apply now ‘.

Total amount due: This refers to the loan amount you will pay back to Zenka after you successfully borrow the money you qualify for shown under “I would like to borrow 3000”

I would like to borrow: This shows you the maximum amount you can borrow from Zenka. It also shows you the minimum limit of cash that you can get from the loan app. As a registered user of the zenka app, you can choose how much you want to borrow by using the slider right or left.

In the example above, sliding the scale all the way to the right will give you the maximum amount of Ksh 3000 while sliding it all the way to the left will qualify you for the minimum loan of Ksh 500.

For 30 Days: Here you select the number of days you want to borrow a loan from Zenka. Sliding this option right or left allows you as a Zenka registered user to adjust the repayment period for your loan.

Apply now: This is the button you press to apply for your Zenka loan after selecting the amount you want to borrow and your loan repayment time in days

Note: As you establish a borrowing history with Zenka, demonstrating responsible repayment behaviour, your loan limit can increase.

How do I increase my Zenka loan limit?

The fastest way to receive higher amounts is to build credit with a positive repayment history with Zenka, easily achieved with successive timely repaid loans. Other factors include; how long your line has been active, how often you transact on Mpesa, your CRB status among other factors we cover below. 

Zenka checks many factors when qualifying its registered users for a loan. This is made possible by using advanced technology to check a couple of data points about their clients. The reason for this is that Zenka doesn’t require you to give security for your mobile loan. All you need to do is to fill in a Zenka loan application form online for free on their app.

There are also other ways to grow your zenka first loan limits. I shall take you through the most effective and easy ways to increase how much you can borrow on Zenka.

Early on-time payments:

When you repay your borrowed loan on time, you indicate to Zenka that you are not a risk to lend money to. By doing this, you will increase your chances of getting a zenka loan limit increase. This also applies to loan repayment with other lenders.

How long your mpesa line has been active:

To qualify for a bigger loan limit on Zenka, you need to have had your Mpesa line active for at least 6 months This is one of the requirements you will need to fulfill when checking your zenka loan limit in Kenya will be given a boost upwards.

Transact more with Mpesa: ( Use mobile payments often)

Yes, use mobile payments often especially on mpesa which Zenka uses to send you the loan once you have applied and qualified. For this, make sure you send and withdraw money, buy airtime, pay for goods and services via mpesa pay bill and Buy Goods till numbers. This shows that you are financially liquid on Mpesa and you have good cash flow.

CRB status:

One of the factors that Zenka uses to qualify its borrowers is your CRB status. Before you apply and borrow cash on the app or USSD *841# online, you will need to have a good credit rating on CRB Kenya. So, make sure you have your name cleared on CRB and that you are not blacklisted. This could be the difference between getting a Zenka loan limit of 5000 Ksh or 500 Ksh.

Request for loans often:

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.

Keep your mpesa payment SMS messages:

One of the permission requests you grant to the Zenka app when you download and install is to access your messages. This implies that to some extent, they use this information in one way or another. So to have a better chance of increasing your Zenka loan limit, keep the mpesa transaction messages in your inbox.

As you establish a borrowing history with Zenka, demonstrating responsible repayment behaviour, your loan limit can increase. Zenka takes note of your repayment history, punctuality, and overall borrowing conduct.

How to check zenka loan limit.

For you to check your Zenka loan limit, you will need to open the app and log in to your account. Once you log in, the first screen will show you how much money you can borrow. The amount you see on the screen is your zenka loan limit.

Why is Zenka not giving me a loan? (Not eligible for a loan at the moment)

Have you logged in to your Zenka loan app and found the following message; “ We are sorry, but you’re not eligible for a loan at the moment. We kindly advise you to check your limit after 7 days.“

This message by Zenka is shown when you are trying to apply for a mobile loan but you haven’t met the minimum requirements.

A quick way to resolve this issue when borrowing a loan from Zenka is to quickly contact customer care and ask why your account has been limited from borrowing. They will guide you on how to get your borrowing limit back on track so that you can proceed to borrow a loan. 

Note: From our experience, we have realised when it comes to getting support on Zenka about your loan limit, the fastest and easiest way to get a response is on Twitter (Now X App).

How to withdraw money from Zenka to mpesa?

Once you have applied for your loan, you may be wondering how to withdraw money from Zenka to Mpesa. Not to worry, the cash borrowed is directly deposited into your mpesa account automatically after you press the Get Loan button.

If you want to withdraw money from your affiliate earnings on Zenka, then the process is a bit different. You first start by opening the Zenka app and login, then tap the menu button, select referral program, and then choose to Manage bonus.

Here you’ll be given the option of either ‘Withdraw Money‘ or ‘Repay loan‘. Learn more about how you can earn money with Zenka by referring family and friends by clicking here.

Just make sure you have downloaded the Zenka app and completed the registration process to be able to get an automatic withdrawal into your mpesa wallet.

Note: Are you wondering how long does Zenka take to process a loan? Once you have downloaded the app and registered for an account, the loan you apply for on Zenka will take less than 5 minutes. In most cases, Zenka processes the loan request immediately and you will have the cash sent to you very quickly.


As you start borrowing quick cash loans using the Zenka app in Kenya, remember that your loan limit is largely defined by you and your behaviour. The Zenka loan limit provided to you represents responsible financial decisions undertaken by a registered client and responsible borrowing behaviour.

From downloading and registering on the Zenka app platform and taking your first mobile loan, to growing your Zenka loan limit steadily until you get the maximum of Ksh 80,000.

Here we have guided you on how you can grow and increase your Zenka loan limit by practising timely repayment of loans, transacting often on mpesa and also borrowing often on the Zenka app, among other tips.

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