Fast Loan
Zenka Instant Loan
Zenka Finance Limited
Last updated: October 29, 2025
★★★★★
0/5Based on 0 Reviews
Interest Rate
9% - 15% p.a.
Loan Amount
Ksh 500 - Ksh 30,000
Approval Time
Instant (1 minute)
Processing Fee
Ksh 0
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Owned by Safaricom - most trusted brand in Kenya
- Instant approval and disbursement (1 minute)
- No documents or paperwork required
- Low starting amounts (KES 500)
- First loan discount (5% interest)
- No processing fees
- Builds your credit history
- Flexible repayment periods
- Available to students and unemployed
- 24/7 customer support
Cons
- High monthly interest rates (9-15%)
- Low maximum loan amount (KES 30,000)
- Requires active M-Pesa account
- Auto-debit can drain M-Pesa balance
- KES 200/day late payment penalty
- Must have phone in your own name
Customer Reviews
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Product Details
Features
- Instant approval within 1 minute
- Loans from KES 500 to KES 30,000
- No paperwork or documents needed
- Disbursement directly to M-Pesa
- Flexible repayment 7-90 days
- No collateral required
- Credit limit increases with timely repayment
- Apply via app or USSD *361#
- Transparent fees - no hidden charges
- 24/7 customer support
- Repay via M-Pesa Paybill
- Builds your CRB credit history
Eligibility Requirements
Age: 18 - 70 years
0Employment: Employed, Self-employed, Business owner, Unemployed with income source, Students
Required Documents
- National ID
- Active M-Pesa account
- Phone number registered in your name
Repayment Options
M-Pesa Paybill 222111Auto-debit from M-PesaZenka App
Ready to Apply?
Get started with Zenka Instant Loan today. Fast approval and competitive rates.
Apply NowApplication takes less than 10 minutes
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