New in Uganda!
If you dream about 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.
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.
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.
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.
Loan amount: from UGX 10,000 to UGX 2,000,000.
Minimum repayment period: 61 days. Maximum repayment period: 61 days.
Interest fee: 2.45%–44% of the principal for the loan term, depending on individual credit assessment. Processing fee: UGX 0.
Minimum Annual Percentage Rate (APR): 14.7%.
Maximum Annual Percentage Rate (APR): 263%.
Representative example: for a 61-day loan of UGX 100,000 at the maximum rate, the interest fee is UGX 44,000 and the total amount due is UGX 144,000 (APR 263%).
No other fees apply when the loan is repaid on time.
You can repay your loan early at any time.
Grow with Zenka and build your limit up to UGX 2,000,000 by making your loan repayments on time.
Additional terms and conditions apply.