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Tala Instant Loan vs Zenka Instant Loan - Fast Loans Comparison 2025

Compare Tala Instant Loan and Zenka Instant Loan side-by-side. Interest rates, fees, loan amounts, eligibility requirements, and customer reviews. Find the best fast loans for you.

Imethibitishwa mwisho: January 2026
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Kwa Mtazamo

Kiwango Bora
Zenka Finance Limited
Ada ya Chini
Zenka Finance Limited
Uidhinishaji wa Haraka
Tala Kenya
Mshindi Mkuu
Zenka Finance Limited
Kipengele
Tala Instant Loan
Tala Kenya
Zenka Instant Loan
Zenka Finance Limited
Kiwango cha Riba
11% - 15% p.a.
9% - 15% p.a.
Kiwango Bora
Kiwango cha Mkopo
KES 1,000 - KES 50,000
KES 500 - KES 30,000
Kipindi cha Kulipa
21 - 30 months
7 - 90 days
Ada
N/A
Processing: 0%
Ada ya Chini
Vipengele Muhimu
  • First loan approved within 10 minutes
  • Loan limit up to KES 50,000
  • Transparent pricing - no hidden fees
  • Flexible 21 or 30-day repayment
  • Credit limit grows with each successful loan
  • 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
Tazama Maelezo na OmbaTazama Maelezo na Omba

Tala Instant Loan

Faida

  • +First loan approved within 10 minutes
  • +Loan limit up to KES 50,000
  • +Transparent pricing - no hidden fees
  • +Flexible 21 or 30-day repayment

Zenka Instant Loan

Faida

  • +Instant approval within 1 minute
  • +Loans from KES 500 to KES 30,000
  • +No paperwork or documents needed
  • +Disbursement directly to M-Pesa

Maswali Yanayoulizwa Mara kwa Mara

Which is better: Tala Instant Loan or Zenka Instant Loan?

Zenka Instant Loan offers a more competitive interest rate starting at 9% per annum. However, the best choice depends on your specific needs, loan amount, and repayment period. Tala Instant Loan from Tala Kenya may be better for First loan approved within 10 minutes, while Zenka Instant Loan from Zenka Finance Limited excels at Instant approval within 1 minute.

What are the main differences between Tala Instant Loan and Zenka Instant Loan?

Tala Instant Loan from Tala Kenya offers rates from 11% p.a. with loan amounts up to KES 50,000. Zenka Instant Loan from Zenka Finance Limited offers rates from 9% p.a. with loan amounts up to KES 30,000. Compare features, fees, and eligibility requirements above.

How fast can I get approved for these fast loans?

Approval times vary: Tala Instant Loan typically takes 24-48 hours, while Zenka Instant Loan processes applications in 24-48 hours. Digital products like M-Pesa loans can be approved instantly, while bank loans may take 1-3 business days.

Do I need collateral for Tala Instant Loan or Zenka Instant Loan?

Collateral requirements depend on the loan amount and product type. For amounts under KES 500,000, many fast loans are unsecured. Larger loans may require collateral such as a logbook, property, or salary assignment. Check specific requirements for each product.

Can I apply for both Tala Instant Loan and Zenka Instant Loan?

While you can technically apply to multiple lenders, having multiple active loans affects your debt-to-income ratio and CRB profile. It's generally better to choose one product that best fits your needs. Use PesaMarket's comparison tools to make an informed decision.

Uko Tayari Kuomba?

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