How to Get a Zenka Loan via SMS

Simon Mwangi

Do you need a loan but don’t have the time to go through the hassle of downloading a loan app? Or maybe you’re just not a fan of paperwork. Whatever your reason, we’ve got good news for you: you can now get a Zenka loan via SMS!

This blog post will walk you through how to get a Zenka loan via SMS.

If you would love to get a Zenka loan and do not have the app, you can use the SMS method to get the loan.

Zenka Loan App is a mobile application that provides access to emergency credit to users in Kenya. Zenka finance has been in the market since November 2018.

The app offers loans of up to KES 30,000 (US$500) with repayment periods of up to 30 days. The app is available on Android and iOS devices.

It is considered one of the fastest-growing fintech companies in Kenya.

Below is how to get a Zenka loan using SMS;

How to Get a Zenka Loan via SMS

Here is how to apply for a Zenka loan through SMS If you don’t have a smartphone or active internet.

  1. Dial the USSD Code *841#,
  2. Enter your 4-digit PIN,
  3. Select [Extend] and check information about cost and term,
  4. Select one of the available terms,
  5. Follow the payment link and wait for an SMS notification.

This process is only applicable to Safaricom users.

What are the requirements needed when applying for the Zenka loan?

To borrow a loan from Zenka, you must have the following;

  • National ID.
  • Smartphone or feature phone (Mulika mwizi).
  • A Safaricom registered number with Mpesa to receive and pay back your loan.

To get a loan from Zenka by smartphone users;

  • Download the Application from Google Play Store or Apple Store.
  • Fill out the application form with the relevant information.
  • Once approved, you will receive the money on your M-Pesa number.

How to pay back your Zenka loan

You can pay back your loan via Mpesa in the following way:

  1.  Open the mpesa menu.
  2.  Select lipa na mpesa.
  3.  Choose the pay bill option.
  4.  Select Enter business number and input Zenka paybill number 979988.
  5.  Next, input your zenka account number.
  6.  Input the amount to pay and Press O.K.
  7.  Next, put in your m-pesa PIN to finish the transaction.

 You can also pay your Zenka loan via the steps highlighted below.

  • Dial the USSD Code *841#,
  • Enter your 4-digit PIN,
  • Select [Repay] and find information about your current balance.
  • Select [Repay total amount] and follow the payment link.

 Zenka Loans Interest rates.

The lowest interest rate is 0 per cent, while the highest is 29 per cent.

Zenka Loan terms and conditions.


Zenka requires minimum information for your convenience. All they need is your first name, last name, National ID, answer to a security question of the choices provided, and a 4-digit PIN.

To fulfil their role as responsible lenders, they consider many factors when evaluating your creditworthiness, including your prior history with us, data from your mobile phone, and information received.

Zenka Credit limits.

Your limit will depend on other creditors’ history and your borrowing habits. They will use the information they get to determine how much you qualify.

The fastest way to receive higher amounts is to build credit with a positive repayment history with Zenka, easily achieved with successive timely repaid loans.

What are the penalties for not paying your loan on time?

Failure to pay extension fees for loans that are due will lead to being listed on the CRB. However, before you wait for the penalties, you should try their loan extension that gives you more control over your loan by letting you postpone your due date by 7, 14, or 30 days.

To apply for a loan extension, you need to have an active loan that is not 30 days past due.

If you regularly pay your debts on time, you are rewarded with a higher loan limit.

Some of the advantages of getting loans from the Zenka loaning platform are:

  • Your first loan is free, with 0% interest.
  • More extended loaning periods than other loan apps, 61 days.
  • You can top up your loan if you have not exceeded your loan limit.
  • You can pay to extend your loaning periods and avoid higher interests.

 Who can benefit from the Loans?

  • Small business owners.
  • Netizens and citizens who require quick loans.

 Frequently asked questions

1. How much loan can I get from Zenka?

Zenka mobile loan app has a one-time processing fee of KSh 45 – Ksh 870 for the application.

You can borrow between the minimum and maximum loan amount, ranging from 500 to 30,000 Kenyan Shillings.

The repayment period is 61 days or 180 days, but it must repay in full after it expires.

 2. How do I increase my Zenka limit?

Your limit will depend on other creditors’ history and your borrowing habits. They will use the information they get to determine how much you qualify.

The fastest way to receive higher amounts is to build credit with a positive repayment history with Zenka, easily achieved with successive timely repaid loans.

 The following are ways to increase your credit limit:

  • Pay your debts on time
  • Maintain a good history with other creditors
  • Build credit with a positive repayment history.
  • Borrow from Zenka regularly.
  • Make all your loan Repayments early or on time.
  • Keep your account active.
  • Refer friends to Zenka
  • Ask Zenka for a higher limit.

Following the tips above will increase your chances of qualifying for a higher loan limit from Zenka.

3. How do I get Zenka PIN?

Choose the option ‘forgotten both your Zenka PIN and security question.” Next, Zenka will ask you to send the following details: ‘Full name’ ID number’ ‘Phone number’ ‘Date of Birth’ ‘Email address’ ‘Value of your last Zenka loan’ When this is correctly submitted, zenka will send you your PIN to your email address.

 4. How do I get a Zenka loan?

Download the Zenka Loan App or Dial *841# to access the platform. If you are using the app, proceed to register to get started.

If you used the USSD code, follow the prompts to apply for a loan. Once registered, you will get a notification with the available limit. Next, select the loan repayment period, and you’re done.


Zenka loan is a handy tool for people in Kenya looking for a way to get a loan. It is helpful for small business owners and anyone needing a quick loan.

Having the requirements and using the simple steps above guarantees an effortless way to acquire the loan. The app is easy to use and a great way to get a loan. You might as well try it out.

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As a freelance writer with a background in banking and accounting, Simon has the financial know-how to produce quality content on various topics. His experience gives him a strong foundation in understanding complex financial concepts and communicating them in an easy-to-understand way.
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