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How to Apply Zenka Loan Through App and Sms

ByElizabeth Atieno

Jun 16, 2023
How to Apply Zenka Loan Through App and Sms

From my last post i showed you a step by step guide on how to download and install this the app. I also answered some of the questions you asked about Zenka loan app ( follow the link). So in this post i will take you through some simple steps on how to apply Zenka loan through sms and also how to apply Zenka loan through the app.

Therefore, if you’re looking to apply for a loan through Zenka, you have two convenient options: the Zenka Mobile App or the USSD Code. Let’s dig deep into each method in detail.

How to apply Zenka loan via the Mobile App

1. Download the Zenka loan App

Start by downloading the Zenka loan application from your preferred app store. It’s available for both Android and iOS devices.

2. Open the App

Once the installation is complete, open the app on your smartphone.

3. Enter your Mobile Number

Provide your mobile number when prompted. This is an essential step for identification and communication purposes.

4. Enter your PIN to Log in

Set up a secure 4-digit PIN to protect your account. Remember this PIN as you’ll need it each time you log in to the app.

5. Wait to get a loan offer

After completing the registration process, the app will assess your eligibility and present you with a loan offer. This offer will be based on various factors, such as your credit history and repayment capabilities.

6. Select the preferred amount

Review the loan offer and choose the amount that best suits your financial needs. Zenka provides a range of loan options to accommodate different requirements.

7. Click on “Apply Now”

Once you’ve selected the desired loan amount, click on the “Apply Now” button to proceed with the application.

8. Wait for a confirmation message

Zenka will process your loan application and notify you of the decision through a confirmation message. This message will inform you whether your loan has been approved or declined.

How for apply Zenka Loan Through sms using USSD Code

Alternatively, you can also apply for a Zenka loan via sms using USSD code. Follow these steps:

Step 1: Dial *841# from your Safaricom mobile

On your Safaricom mobile device, dial *841# using the phone’s keypad.

Step 2: Enter your 4-digit PIN

Enter your 4-digit PIN when prompted to access the Zenka loan service through USSD.

Step 3: Select the “Apply for a Loan” option

From the menu options provided, choose the “Apply for a Loan” option to initiate the loan application process.

Step 4: Check information about the cost and terms of the loan

Zenka will provide you with detailed information about the loan’s cost and terms. Take your time to review this information and ensure it aligns with your financial requirements.

Step 5: Select one of the available terms

Depending on your needs, select the loan term that suits you best. Zenka offers different repayment periods to cater to a variety of preferences.

Step 6: Wait for the SMS notification

After submitting your loan application through USSD, wait for an SMS notification from Zenka. This message will contain the outcome of your loan application—whether it has been approved or not.


By following these straightforward steps, you can easily apply for a Zenka loan and access the financial assistance you need. Remember to borrow responsibly and consider your ability to repay the loan within the specified terms.