Zenka Loan App 2023: How to Apply, Repay and Get Higher Limits

Zenka is one of the most popular mobile loan apps in Kenya, offering quick and flexible loans to millions of customers. Whether you need money for an emergency, a business idea, or a personal goal, Zenka can help you achieve it with its unique features and benefits.

In this article, we will show you how to apply, repay, and get higher limits on the Zenka loan app in 2023.

Can I get the Zenka loan application form online?

Yes, you can get the Zenka loan application form online. There are two ways to do this:

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• Download the Zenka app from their website or from the Google Play Store and fill out the application form on the app. You will need to sign up with your personal details and choose how much money you need. Your application will be evaluated and when it is approved, you will receive money in your M-Pesa account.
• Alternatively, you can apply for a Zenka loan without a smartphone by dialing *841# on your phone. Continue reading to learn how this method works.

How to Apply for a Zenka Loan

There are two ways to apply for a Zenka loan: using the app or using the USSD code. Here are the steps for each method:

Apply Zenka loan using the app:

• Download the Zenka app from the Google Play Store or Apple App Store. You can also use this link to download it directly.
• Open the app and sign up with your phone number and national ID number. You will also need to create a 4-digit PIN and answer a security question.
• Choose how much money you need and the repayment period. You can borrow from KSh 500 to KSh 50,000 for 61 to 180 days.
• Submit your application and wait for approval. You will receive an SMS notification with the decision.
• If approved, you will receive the money in your M-Pesa account within minutes.

How to apply for a Zenka loan using the USSD code:

• Dial *841# on your phone and enter your PIN.
• Select “Apply for a loan” and choose the amount and duration you want.
• Confirm your details and submit your application.
• You will receive an SMS notification with the decision.
• If approved, you will receive the money in your M-Pesa account within minutes.

How to Repay a Zenka Loan

You can repay your Zenka loan using M-Pesa or the app. Here are the steps for each method:

Using M-Pesa:

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• Go to your M-Pesa menu and select “Lipa na M-Pesa”.
• Select “Pay Bill” and enter Zenka’s pay bill number: 979988.
• Enter your phone number as the account number.
• Enter the amount you want to pay and your M-Pesa PIN.
• Confirm the transaction and wait for a confirmation message from M-Pesa and Zenka.

Using the app:

• Open the Zenka app and sign in with your PIN.
• Select “Repay now” and choose the amount you want to pay. You can pay the full amount due or a specific amount.
• Click “Repay now” and you will be redirected to your M-Pesa menu.
• Enter your M-Pesa PIN and confirm the transaction.

How to Get Higher Limits on the Zenka Loan App

Zenka rewards its loyal customers with higher loan limits based on their repayment history, credit score, and other factors.

Here are some tips on how to get higher limits on the Zenka loan app:

• Repay your loans on time or before the due date. This will improve your credit score and show that you are a responsible borrower.
• Use Zenka’s flexible features to manage your loans better. You can top up your existing loan with extra cash if you need more money. You can also extend your repayment period by 7, 14, or 30 days if you need more time to pay.
• Increase your income and reduce your expenses. This will improve your cash flow and reduce your debt burden. Zenka will consider your net monthly income when determining your loan limit.
• Refer your friends and family to Zenka and earn bonuses. You can use these bonuses to reduce your interest fee or increase your loan amount.

Benefits of Using the Zenka Loan App

Zenka loan app has many benefits that make it stand out from other mobile loan apps in Kenya. Here are some of them:

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• It’s easy to access loans anytime, anywhere, without collateral or guarantors.
• You can choose from flexible repayment terms ranging from 61 to 180 days.
• It’s easy to get higher loan limits as you repay your loans on time.
• You can enjoy discounts and rewards as a loyal customer.

Conclusion

Using this app is a reliable and convenient way to access quick loans in Kenya.

With its simple application process, fast approval, flexible repayment options, and attractive benefits, Zenka can help you meet your financial needs in 2023.

Download the app and get started!