How to apply for a Zenka loan without a smartphone – get SMS USSD loan

Are you looking to apply for a Zenka loan without a smartphone? Then you have come to the right place. Here I will guide you on how to apply for a loan using Zenka USSD code *841#, which some users refer to as getting a loan through SMS. This method doesn’t require you to have the app, so you can get a Zenka loan without downloading the App.

How to get Zenka loan without a smartphone- SMS loan USSD *841#

To apply for a loan without using the app, follow the steps below

  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.

Your loan will be sent directly to your phone to your m-pesa account.

That is how to apply for a loan if you do not have a smartphone or internet on your device. Some users refer to this method of borrowing a loan from Zenka as ‘ getting a loan through SMS ‘ because of using the USSD code.

Remember, the Zenka USSD code to use is *841# which can be accessed from any type of phone that is registered on the Safaricom network.

Note: Before you apply for the loan, you will need to register for an account on Zenka.

Why borrow from Zenka without using the app?

Why would someone prefer not to use the Zenka loan app to borrow an mpesa cash loan on their phone? The reason for this could be because according to recent numbers by the Communication Authority of Kenya, nearly half of Kenyans do not use smartphones. Instead, they use feature phones, popularly known as ‘Kabambe’ phones.


How do I borrow from Zenka without app?

To get Zenka loan without using the app, you will need to use the USSD service *841#. Dial the code on your phone dialer and follow the instructions and prompts that show up. Make sure you have enough credit on your Safaricom line.

How can I get zenka loan through SMS?

When applying for a Zenka loan through SMS, this is done using the Zenka USSD code *841#. This method works for loan borrowers who don’t have access to the loan app.


Applying for an emergency cash loan in Kenya has become very important. That is why Zenka has provided non-smartphone and kabambe users with a way to apply for and borrow loans. This shows that the company works towards making sure that all Kenyans are financially included when it comes to getting financial assistance. Zenka Finance has done this by providing a USSD code *841# that can be accessed from all types of phones.

Have you borrowed a Zenka loan without using the app? Tell us about your experience below.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *