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Zenka Ussd Code: How to Get a Zenka Loan USSD Code

Zenka Ussd Code

Are you in need of a loan but find the process of downloading a loan app too time-consuming? Perhaps you’re not fond of dealing with paperwork. Whatever your reason, we have exciting news: You can now secure a Zenka loan through USSD Code. This article will guide you through how to use Zenka Ussd Code to get a loan.

For those interested in obtaining a Zenka loan but don’t have the app, the UUSD Code method is an alternative way to access the loan facility.

Zenka Loan App, a mobile application, caters to the urgent credit needs of users in Kenya. It was established in November 2018, Zenka finance has been serving the market effectively.

Zenka loan amounts reaching up to KES 30,000 (US$200) and flexible repayment durations of up to 30 days, the app caters to various financial needs. It is accessible on both Android and iOS platforms.

It is considered one of the fastest-growing fintech companies in Kenya. Below we have outlined a step to step guide on how to use USSD to apply for the loan.

How to use Zenka USSD Code

Here’s a guide on applying for a Zenka loan USSD Code if you don’t have access to a smartphone or active internet connection:

  1. Dial the USSD Code *841# on your phone.
  2. Enter your 4-digit PIN when prompted.
  3. Select the option labeled [Extend] to review information regarding the loan’s cost and term.
  4. Choose one of the available terms that best suits your needs.
  5. Follow the payment link provided and wait for an SMS notification confirming your application.

Please note that this process is exclusively applicable to only Safaricom users.

Requirements for Applying Zenka Loan?

In order to apply for a loan with Zenka, you’ll need to meet the following requirements:

  1. National ID.
  2. Smartphone or feature phone (Mulika mwizi).
  3. A Safaricom registered number with Mpesa for loan disbursement and repayment.

For smartphone users, the loan application process with Zenka is as follows:

  1. Download the Zenka application from either the Google Play Store or Apple Store.
  2. Complete the application form by providing the necessary information.
  3. Upon approval, the loan amount will be disbursed to your M-Pesa number.

How to Repay Zenka Loan

Repaying your loan through Mpesa is a simple process. Follow these steps:

  1. Open the Mpesa menu on your phone.
  2. Select “Lipa na Mpesa.”
  3. Choose the “Pay Bill” option.
  4. Enter Zenka’s Paybill number: 979988.
  5. Input your Zenka account number.
  6. Enter the amount you wish to pay and press “OK.”
  7. Input your M-Pesa PIN to complete the transaction.

Additionally, you can repay your Zenka loan using the following steps:

  1. Dial the USSD Code *841#.
  2. Enter your 4-digit PIN.
  3. Select “Repay” to access information about your current balance.
  4. Choose “Repay total amount” and follow the payment link.

Zenka Loans Interest Rates:
Interest rates range from 0 percent to a maximum of 29 percent.

Zenka Loan Terms and Conditions

Zenka simplifies the process by requiring minimal information for your convenience. All that’s necessary are your first and last name, National ID, an answer to a security question from the provided options, and a 4-digit PIN.

As responsible lenders, Zenka considers various factors to evaluate your creditworthiness, including your prior history with them, data from your mobile phone, and received information.

Zenka Credit Limits:
Your credit limit is determined based on your history with other creditors and your borrowing habits. Zenka utilizes this information to assess your eligibility for borrowing.

The quickest way to access higher amounts is by establishing a positive repayment history with Zenka, achieved through consistently repaying loans on time.

Penalties for Late Payments:
Failure to pay extension fees for overdue loans may result in listing on the CRB. However, you have the option to request a loan extension, providing more control over your loan by allowing you to postpone the due date by 7, 14, or 30 days.

To apply for a loan extension, you must have an active loan that is not 30 days past due. Regularly paying debts on time can lead to a higher loan limit as a reward.

Advantages of Zenka Loans:

Your first loan is interest-free.
Extended loan periods, up to 61 days.
Loan top-ups are available if within your limit.
Option to pay for loan extensions and avoid higher interests.

Who Can Benefit from Zenka Loans?
Small business owners.
Individuals in need of quick loans.

Frequently Asked Questions:

1. How much loan can I get from Zenka?

You can borrow between 500 to 30,000 Kenyan Shillings with a processing fee ranging from KSh 45 to KSh 870. Repayment periods are 61 or 180 days, with full repayment required upon expiry.

2. How do I increase my Zenka limit?

Your limit depends on your history with other creditors and borrowing habits. Building a positive repayment history with Zenka increases your chances of qualifying for higher amounts.
Ways to increase your limit include:
Paying debts on time
Maintaining a good history with other creditors
Regularly borrowing from Zenka
Referring friends to Zenka
Requesting a higher limit from Zenka.

3. How do I get Zenka PIN?

Select the option for ‘forgotten both your Zenka PIN and security question.’ Provide details such as full name, ID number, phone number, date of birth, email address, and the value of your last Zenka loan. Zenka will then send your PIN to your email address.

4. How do I apply for Zenka Loan

To apply you need to download the Zenka Loan App or dial *841# to access the platform. Register to begin using the app or follow the prompts if using the USSD code.


Zenka loan offers a convenient solution for individuals in Kenya seeking financial assistance. Whether you’re a small business owner or in need of quick funds, the straightforward requirements and user-friendly steps ensure easy access to loans. Give it a try!

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