Home business How to apply for Zenka loan via USSD code

How to apply for Zenka loan via USSD code

by NBI
zenka ussd code

Zenka Loan via USSD is offered by Zenka finance.

The zenka loan App has been on the market since November 2018. And is considered to be one of the fastest-growing fintech companies in the country today.

The fast-emerging fintech company is motivated by the passion for helping businesses develop and offer customers friendly loans, as described below.

To contact Zenka customer care, you can: –

  1. Call 020 7650878.
  2. Check out their official social media handles on; Facebook, or follow them on IG (@zenka_kenya) and Twitter handle (@ZenkaFinance).

Products and services.

  1. Zenka small Loans

How to get Zenka Loan.

You can access Zenka loan via the Zenka app or via USSD.

Zenka loan Apps are open for download on Google Play Store and the Apple app store.

How can I get a Zenka loan via SMS method?

If you don’t have a smartphone device or active internet, you can access Zenka loans by dialing the USSD code *841# on your kaduda phone and following the on-screen prompts.

Loan Process.

The minimum zenka loan amount you can get from Zenka is Kshs 500, while the maximum amount is Kshs 20,000.

How to borrow a loan from Zenka(requirements).

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

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

To get a soft loan from Zenka by smartphone users;

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

How to get a loan from Zenka using Feature Phone (kabambe) or non-smartphone users;

If you do not have any internet access but wish to borrow a loan from Zenka, you can likewise use the following process.

  • Dial the USSD code *841# and then follow the prompts.
  • Registered Safaricom subscribers can only access this service.

How fast can I get a loan in Zenka?

Once approved for the credit, you will instantly have the loan sent to your M-Pesa number.

How to pay back your Zenka loan via USSD.

There are two different ways to clear your loan from your phone;

You can pay back via Mpesa paybill, using Zenka paybill number 979988 and your original phone number as your safaricom M-Pesa account number.

You can similarly pay your Zenka loan via the steps underlined below.

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

After your loan payment has been processed successfully, you will receive an SMS notification, and your loan will be closed.

Zenka Loan terms and conditions.


To be eligible for a loan, you need a safaricom registered mobile number and a valid national Identity card, a correct answer to a security question given, and 4 digit PIN.

Zenka Loans Interest rates.

The lowest interest rate for the company is 0 percent, while the highest is 29 percent.

Zenka loan limits.

Your limits on how much you can borrow from Zenka depend on your borrowing habits and history with other creditors.


Failure to repay extension fees for loans that are due will lead to being listed on the CRB.


You are awarded with higher loan limits for paying your loans on time.

What is unique about Zenka loans in Kenya.

  • First loan free, with a 0% interest rate.
  • Longer loaning periods than other loan apps in Kenya like the tala loan app, 61 days.
  • You can also top up your loan if you have not exceeded your loan limit.
  • You can further pay to extend your loaning periods and avoid higher interests.


Zenka has enabled many businesses to check out their videos on their official website.

News – upcoming events.

Check out Zenka’s official blog and Facebook page for new information on finance and loans.

Who can benefit from Zenka Loans?

  • Made for Small business owners.
  • Netizens and citizens alike are in need of soft loans.

In summary, Zenka Loans work in the following steps.

  • Download the loan App from App Store or Play Store, or just hit *841# via any mobile phone.
  • Fill out the loan application form by providing the required information.
  • Apply for a quick loan according to your limits.
  • Receive the money in your M-Pesa account instantly.
  • Pay your loan in time in order to increase limits.

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