Zenka Paybill Number (979988) : How to use Zenka Loan App And Repay Your Loan 2024

The Zenka loan app offers easy access to loans online with flexible repayment options. Understand the repayment period and interest rates here

Mar 15, 2024 - 15:40
Mar 15, 2024 - 08:33
Zenka Paybill Number (979988) : How to use  Zenka Loan App And Repay Your Loan 2024
Zenka Paybill Number (979988) : How to use Zenka Loan App And Repay Your Loan 2024

With continuous technological advancements, applying for loans has become much more manageable. Now, you can do it right from your home through your smartphone. One such platform facilitating this convenience is the Zenka Loan App. This app, one of Kenya's most downloaded loan apps, enables users to apply for loans, check their loan limits, and repay loans with a few taps on their smartphones.

How to Repay Zenka Loan Using the App

If you're wondering how to repay your Zenka loan using the app, here's a simple step-by-step guide.

  • First, ensure you have an active internet connection.
  • Open the Zenka App.
  • Click on 'Sign In.'
  • Confirm your account and proceed.
  • Enter your 4-digit PIN and click on 'SIGN IN.'
  • Select the 'REPAY NOW' option.
  • Choose the amount you want to pay, either the 'Full amount due' or a 'specific amount.'
  • Click on 'REPAY NOW.'
  • Wait for the Mpesa Xpress screen to pop up.
  • Enter your Mpesa pin and press 'OK.'
  • After this, Zenka will send you an SMS confirming your loan repayment. Your total amount due will be updated to reflect your payment.

Zenka Mpesa Paybill Number and Its Use

The Zenka Mpesa Paybill number is 979988. This number is used to make repayments directly through Mpesa, using your Safaricom phone number as the account number. Follow these steps to repay your loan using the Mpesa pay bill number.

  • Open the Mpesa menu.
  • Select 'Lipa na Mpesa.'
  • Choose the 'Pay Bill' option.
  • Enter Zenka Paybill number 979988.
  • Input your Zenka account number (your Safaricom telephone number).
  • Input the amount to pay and press 'OK.'
  • Enter your Mpesa PIN to complete the transaction.
  • Wait for a confirmation SMS from Zenka.

Zenka Loan Repayment Period and Interest Rate

The Zenka loan repayment period is 61 days, generally in two installments. The first installment should be repaid after 30 days, and the second before the 61-day deadline.

Zenka doesn't charge an interest rate on loans. Instead, it levies a processing fee between 9-29% of the loan amount. Also, there's a 1% penalty rate on the loan principal for every day you fail to repay the loan.

Applying for a Zenka Loan Extension

If you can't repay your Zenka loan within the given time, you can apply for a loan extension. The amount charged depends on the principal loan amount.

Here are the steps on how to apply for a loan extension on Zenka:

  • Open the Zenka loan app (ensure you are connected to the internet).
  • Press 'Sign In.'
  • Confirm your account and press 'Next.'
  • Input your 4-digit PIN and press 'SIGN IN.'
  • On the main app screen, select 'NEED MORE TIME TO REPAY.'
  • You'll see options to extend your loan by 7, 14, or 30 days, each 
  • with an associated fee. Choose your preferred choice.
  • Click on 'CONFIRM.'
  • Follow the instructions to complete the payment for the loan extension.

Zenka App Customer Service

You can contact their customer service team if you have any issues or questions while using the Zenka loan app. A dedicated helpline (020 7659988) operates from Monday to Sunday, between 8 AM and 5 PM (EAT). Alternatively, you can email them at support@zenka.co.ke.

Zenka's FAQ section in the app also answers common questions that users may have about the platform. It's always a good idea to check this section before contacting their customer service.

READ ALSO: Tala Loan App: A Comprehensive Guide on How to Apply, Repay, and Qualify for a Loan in Kenya


The Zenka loan app offers a convenient way to access loans online. With its easy-to-use interface and flexible repayment options, it's no surprise that Zenka is among the top choices for those seeking quick loans. As a user, be sure to understand all the terms and conditions associated with the loan before borrowing to ensure you can repay it in due time. Remember, financial responsibility is critical when using any loan app. Be smart, be responsible, and be happy borrowing with Zenka!

Joseph Richard Joseph Richard is a distinguished contributor to sledge.co.ke, where he leverages his extensive background in finance, business, and technology to provide insightful guides and analyses. With over a decade of experience in Kenya's dynamic market, Joseph has become a trusted voice in helping individuals navigate complex topics with ease. His work, recognized for its clarity and reliability, spans critical reviews, educational content, and comprehensive guides on making informed decisions in finance and business. Joseph's commitment to empowering Kenyans through accessible information underscores his reputation as a dependable and authoritative figure in the industry