Skip to main content
New in Uganda!

If you dream about it,
Zenka will fund it!

Join this community of dreamers. Download the Zenka App,
and borrow up to UGX 2,000,000 to actualize your dreams.

How Does it Work?

Money in your account even in a few minutes after registration!

Download Zenka App

Download our app from Google Play Store (Android) or App Store (iOS) and install it on your mobile.

Fill the application form

After downloading our app, sign up with Zenka and choose how much money you need.

Receive money on your mobile wallet

Your application will be evaluated and when it is approved, you will receive money on your mobile wallet.

Repay on time and build a positive credit history

Timely repayment increases your credit limit and allows you to apply for higher amounts in the future.

Trusted by Millions of Customers

Welcome to Zenka, Uganda’s newest mobile lending solution, designed to empower your dreams with fast, flexible financial support. Launched in Uganda in 2025, Zenka brings a wealth of experience from Kenya, where we’ve been transforming lives since 2018.

In Kenya, over 10 million customers have trusted us to fuel their ambitions, a testament to the confidence the Kenyan community places in us. Our innovative approach bypasses traditional banking hurdles, delivering instant loans straight to your phone—anytime, anywhere.

Zenka’s commitment to financial inclusion has earned us prestigious accolades, including the Most Preferred Mobile Loan App (Digital Tech Excellence Awards 2020), Outstanding Mobile Loans App of the Year (Pacesetters Awards 2020), Most Preferred Non-Banking Loan Platform (Financial Inclusion Awards 2019), and Runner-Up for Fastest Growing Mobile App (Financial Inclusion Awards 2019) and many more. In Uganda, we’re here to replicate that success, offering you smart, accessible financial tools to spark your potential and thrive.

Join millions who trust Zenka to make their ideas a reality—your journey starts with a tap.

Zenka Uganda

We Champion Your Potential

At Zenka, we’re passionate about unlocking the possibilities within every Ugandan. We understand that every dream, every idea needs a boost to shine, and sometimes that boost is quick access to funds.

That’s why we offer financial solutions that sidestep the slow, rigid systems of traditional banks. With Zenka, loan decisions are swift, empowering you to seize opportunities and meet your needs without delay.

Your Phone, Your Financial Freedom

With Zenka in Uganda, your smartphone is the key to effortless financial access. All our services—from applying for a loan to managing repayments—are handled through your phone, giving you control wherever you are.

Say goodbye to long bank queues and endless paperwork. At Zenka, we prioritize your convenience, ensuring you’re always first in line to turn your goals into reality.

Zenka Uganda
Zenka Uganda

Grow with Zenka

We envision a Uganda where everyone can flourish, personally and professionally. Our mission is to bring ease and opportunity to your financial life by delivering smart lending products when you need them most. By making finance accessible, we break down barriers, create business possibilities, and uplift communities.

Zenka is here to support Ugandans from all walks of life, fostering progress that strengthens our nation and beyond.

Heaven For Rising Stars

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 Uganda every day. We extend our thanks for your trust.

I run an online natural soap business and needed funds for restocking my charcoal face bars. I tried getting the loan from Zenka’s and they gave me UGX 500,000 loan in my mobile money instantly. I restocked, sold out on TikTok, and repaid comfortably. Zenka helped me shine!

Christine

Teaching in Mityana keeps me busy, but I needed to start a small poultry project at home. Zenka’s loan came through fast on my phone. I bought chicks and feed, and now I’m earning extra income. Zenka supported my dreams!

Kaikara

When my motorbike broke down and I couldn’t get to school, I was desperate. Zenka’s quick loan saved me, fixing my bike in hours. Now, I use Zenka for any urgent fix - repaid easily via mobile money!

Isaac

My stock finished abruptly, and orders were waiting—nze ndi stuck! Zenka came through, cash hit my phone mangu. Restocked fast, sales popped off! Now, emergencies? Zenka’s my vibe—so nnyangu!

Sarah Namazzi

Oluwanga lumu I tried okusaba ssente, but the ATM didn’t process payment olw’okuba network yali down. Nnawulira issues nga zijja, and I realized nti I could use this loan app okunnyamba. AH! Nnamanya nti loan apps ziba fast at sending ssente. This one sent so quickly, mu ddakika ttaano zokka. Now I always keep it on my phone for emergencies.

Nakato

Why Zenka?

Simplified application process

We make it easy to access a loan within few minutes.

Friendly customer service

Friendly customer service (through customer care team and sales team) that bridge the gap between the customer and client thus a healthy relationship.

Flexibility

Flexible payments terms with a possibility of loan extensions.

Easy and fast

Minimal prerequisite conditions to obtain a loan.

Customers can express a preference for loans up to 61 days.
Loan payment terms have an interest fee of 2.45-39%*
Processing Fee: UGX 0.
Loan Amount: from UGX 10,000 to UGX 2,000,000.

Grow with Zenka and build your limit up to UGX 2,000,000 by making your loan repayments on time.

For example, for a 61-day loan with a principal amount of UGX 100,000, interest of UGX 39,000, and total amount due of UGX 139,000.

Terms and Conditions: Zenka charges an interest fee of 2.45-39%* of the principal amount. There is no minimum payment period for repayment; customers may make payments towards their principal at any time following disbursement. Additional terms and conditions apply.

Minimum Effective Annual Percentage Rate: 30%*
Maximum Effective Annual Percentage Rate: 4432%*

*risk-based pricing