Zenka Finance Limited

Compare all 1 products from Zenka Finance Limited in Kenya. Rates from 30%. Borrow up to Ksh 200,000.

30%

Lowest Rate

Ksh 200,000

Max Amount

Instant (1 minute)

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Zenka Instant Loan	N/A	Ksh 500 - Ksh 200,000	Instant (1 minute)	Apply

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Zenka Finance Limited Pros & Cons

+Pros

✓Instant approval and disbursement (1 minute)
✓No documents or paperwork required
✓Low starting amounts (KES 500)
✓No processing fee (KSh 0)
✓Builds your credit history
✓Flexible repayment periods

-Cons

✗High cost: one-off interest fee of 2.45%-39% (APR 30%-4432%)
✗Most first loans are far below the KES 200,000 maximum
✗Requires active M-Pesa account
✗Auto-debit can drain M-Pesa balance
✗1.5% of outstanding principal per day of late payment
✗Must have phone in your own name

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

EmployedSelf-employedBusiness ownerUnemployed with income sourceStudents

Required Documents (across all products)

●National ID
●Active M-Pesa account
●Phone number registered in your name

Expert Analysis

Zenka Digital Limited is a CBK-licensed Digital Credit Provider (licensed March 27, 2023), operating under Kenya's 2022 DCP Regulations. Its Google Play listing (updated August 31, 2026) offers loans from KES 500 to KES 200,000 for up to 91 days, with a one-off interest fee of 2.45% to 39% of the principal (lender-stated APR 30% to 4432%) and a KSh 0 processing fee. The zenka.co.ke FAQ gives older figures: KES 500 to KES 30,000, a 61-day term in 2 instalments, and commission fees from 5% per loan. Late repayment costs 1.5% of the outstanding principal per day of delay (FAQ). There are no automatic rollover fees; paid extensions of 7, 14 or 30 days exist, but their price is not published. Disbursement is via M-Pesa wallet.

Frequently Asked Questions

What interest rates does Zenka Finance Limited offer?

Zenka Finance Limited offers interest rates ranging from 30% to 4432% across their 1 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from Zenka Finance Limited?

Zenka Finance Limited offers loan amounts from Ksh 500 up to Ksh 200,000 depending on the product and your eligibility.

How fast does Zenka Finance Limited disburse loans?

The fastest disbursement time from Zenka Finance Limited is Instant (1 minute). Actual processing time varies by product type and application completeness.

Does Zenka Finance Limited require CRB clearance?

Zenka Finance Limited does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.