Our Mission

We provide our customers with a choice of AI-powered, high-end and flexible financial products that empower them in their journey towards financial inclusion and shape their economic trajectory.

Our Vision

Mobile financial institution of first choice for small business owners, entrepreneurs and consumers in Africa.


Our Values

Be innovative and flexible

Be focused on financial inclusion

Be responsible

Be customer-obsessed

Quantum leap
in financial evolution

We empower our customers with a blend of innovative and flexible financial products that support them in shaping their own financial trajectory.

With full scope of unique and innovative products delivered on mobile phones we introduce One-Stop-Shop mobile lending platform.

Customer experience
powered by AI

Kenyans live faster and faster and need a financial partner who will quickly help in an emergency, but also treats them with respect, dignity and understanding at every turn. Zenka wins the hearts and minds of Kenyans with our AI-powered and customer-friendly product design.

  • AI algorithms are at the core of our hassle-free and smooth process
  • Mobile loans available through an easy-to-use smartphone application
  • Flexible loan terms and loan amounts
  • Automated loans disbursement to customers mobile wallet
  • Omnichannel – our loans are availble on all mobile phone platforms Android, iOS, and USSD
  • Innovation that really works!
  • Customer Care that everybody loves supported by AI-powered Chatbot


Most Preferred Mobile Loan App in 2020 - Digital Tech Excellence Awards in Kenya

Outstanding Mobile Loans App of the Year 2020 Award - Pacesetters Awards 2020 in Kenya

Most preferred non-banking loan platform in 2019 - Financial Inclusion Awards – Fini Awards 2019

Most Promising Mobile Loans Platform in 2019 - Digital Tech Excellence Awards Gala 2019

Runner-up: Fastest growing mobile app in 2019 - Financial Inclusion Awards – Fini Awards 2019

Reach stars with us!

Do you want to positively change the World and become a part of something bigger? Are you passionate about ML (Machine Learning), AI (Artificial Intelligence) or a specialist in your field? Write us and join the Team!

Join our team

What people say about us

We provide financial services instantly and responsibly. We help thousands of people in Kenya every day. We extend our thanks for your trust.

Kila wakati nikiwaza juu ya pesa za matumizi yangu, ZENKA tu ndio huja kwenye akili yangu. Wamenitoa mbali na siwaachi hata!
Everytime I think of my financial woes, ZENKA comes to mind. They have truly been my go to facility for some cash. I am taking this journey with them always!

Janet Irungu
From Kiambu

Kwa kusema kweli, sikuweza lipa mkopo wangu wa kwanza kwa muda uliotarajiwa, lakini ZENKA walinielewa na kunipa mkopo mwingine kabla ya kumaliza ule wa kwanza. Saizi niko na Amani na watoto wangu wako shule. Mimi ni wao milele.
To tell you the truth, I had difficulties in paying my first loan, but ZENKA had my back. They offered me an extension loan even before I could repay off my first loan. My kids are in school and doing great and I am forever grateful

Kim Otieno
From Muhoroni

Dakika tano tu! Wewe jaribu kama unadhani ni utani. ZENKA haina uwongo hataa. Nitazidi kujijenga na ZENKA.
5 Minutes. Yes you heard me right. ZENKA has stuck with their word and they have me roped in.

Edgar Moraa
From Narok

Nina Amani rohoni. Masharti ya ZENKA ya kulipa mkopo ni tulivu na haina fiche yoyote kama wengine wanavofanya. Napenda wanavyo-tupokelea na kuwasiliana nasi. Usingoje, kwani ngoja ngoja huumiza matumbo jamani.
I have peace in my heart. The repayment plan is so flexible and their terms are not as dodgy as others. Its all clear and I love the way they treat and respond to me. What are you waiting for?

Aisha Tunu
From Kwale

Bila mambo mingi, ZENKA wako juu. Loan zao ni shwari na hakuna details mob. You just download the App, register and before you know it chapaa imeingia kwa Mpesa account yako. Saizi naeza sort any emergency, all thanks to ZENKA. I hope you guys are here to stay.

Alvin James
From Nairobi

Press about us

Zenka Finance – an international full-stack fintech with Polish origins, focused on mobile lending – stands out from the rest of the competitors.

While most of the digital lenders have shied away from multiple platforms, the lender availed its services across many channels. Zenka services are now available to Android users, iOS users and USSD.

With just a tap on your smartphone, you are able to key in crucial data points that allow lenders to rate your creditworthiness.

Zenka Finance has won the most promising mobile loans platform in the Digital Tech Excellence Awards gala held at Intercontinental Hotel in Nairobi on Thursday, December 5.

Despite being in the market for a short time, Zenka has bagged a top accolade for being the most preferred non-banking platform. With the fierce competition from right, left and center, Zenka managed to take home the award.

Zenka is challenging its competitors and courageously conquering the Kenyan lending industry serving as a proof that well-thought client-focused strategy combined with the innovative solutions and bold approach results in the African dream fulfilment

Chatbot Zena - probably the most adorable customer service lady in Kenya - has been awarded and recognized as one of the popular virtual assistants in Kenya

Let's talk!

Due to its dynamic development, Zenka Finance invites to cooperation entities interested in the development of fintechs in the world and the dissemination of good financial inclusion practices.

Contact us Contact us