Zenka Finance Limited

Compare all 4 products from Zenka Finance Limited in Kenya. Rates from 4.5%. Borrow up to Ksh 50,000.

4.5%

Lowest Rate

Ksh 50,000

Max Amount

Instant (1 minute)

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Zenka Instant Loan	9% - 15%	Ksh 500 - Ksh 30,000	Instant (1 minute)	Apply
Zenka Personal Loan	4.5% - 9%	Ksh 500 - Ksh 50,000	Instant	Apply
Zenka Instant Loan	9% - 15%	Ksh 500 - Ksh 30,000	Instant (1 minute)	Apply
Zenka Personal Loan	4.5% - 9%	Ksh 500 - Ksh 50,000	Instant	Apply

View all Fast Loans →

Zenka Finance Limited Pros & Cons

+Pros

✓No processing fees
✓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)

-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

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

EmployedSelf-employedBusiness ownerUnemployed with income sourceStudentsAny - employed, self-employed, student

Required Documents (across all products)

●National ID
●Active M-Pesa account
●Phone number registered in your name
●Valid Kenyan ID
●Active smartphone
●Zenka app installed
●M-Pesa account for disbursement

Frequently Asked Questions

What interest rates does Zenka Finance Limited offer?

Zenka Finance Limited offers interest rates ranging from 4.5% to 15% across their 4 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 50,000 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.