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ZK Pesa Loan App Kenya: Features, Interest Rates, How to Apply & Full Review (CBK Licensed)

In Kenya’s fast-growing digital lending space, ZK Pesa has emerged as one of the most convenient CBK-licensed loan apps designed to offer fast, reliable, and flexible mobile loans. Whether you’re dealing with an emergency, unexpected expense, or business need, ZK Pesa provides instant loans directly to your M-Pesa wallet with transparent terms and zero service fees.

Below is a complete guide covering how ZK Pesa works, loan limits, interest rates, eligibility, customer contacts, and a comparison with other top CBK-licensed loan apps in Kenya.

ZKPesa Loan App Kenya
ZKPesa Loan App Kenya 

Read Also; How to apply for quick M-Pesa loans in Kenya via Loop Pesa Loan App 

What Is ZK Pesa? (CBK Licensed Digital Credit Provider)

ZK Pesa is a fully licensed digital loan app regulated by the Central Bank of Kenya (CBK). The app offers instant mobile loans ranging from Ksh 2,000 to Ksh 40,000, with repayment periods of 91–365 days. Designed for quick financial support, ZK Pesa uses a smart credit-scoring system to determine your loan limit and interest rate.

Borrowers only need a valid Kenyan ID, a mobile phone number, and an active M-Pesa account to get started.

ZK Pesa Loan Features

1️⃣ Loan Limits

  • Minimum: Ksh 2,000

  • Maximum: Ksh 40,000

  • Loan limits grow when you repay on time.

2️⃣ Interest Rates (APR)

  • Minimum APR: 12%

  • Maximum APR: 36%

  • No hidden service fees

3️⃣ Repayment Period

  • Minimum: 91 days

  • Maximum: 365 days

  • Extensions allowed depending on repayment behaviour

4️⃣ Quick Disbursement

Funds are sent directly to your M-Pesa account within minutes of approval.

5️⃣ Zero Collateral Required

ZK Pesa is 100% unsecured — no documents, no guarantors.

6️⃣ Fully CBK Licensed

This means:

  • Transparent pricing

  • Consumer protection under Kenyan law

  • Regulated interest rates

  • Strict data-privacy compliance

Example Loan Calculation

Loan Amount: Ksh 5,000
Loan Term: 121 days
Annual Interest Rate: 18.1%

Interest:
Ksh 5,000 × 18.1% × 121 ÷ 365 = Ksh 300

Total Repayment:
Ksh 5,000 + Ksh 300 = Ksh 5,300

✔ No service fee
✔ No collateral
✔ No hidden charges

Who Can Apply? (Eligibility Requirements)

To qualify for a ZK Pesa loan, you must:

  • Be a Kenyan citizen aged 18+

  • Have a valid national ID

  • Own a registered mobile number with M-Pesa

  • Have a stable source of income (employed/self-employed)

  • Have a good credit history for higher limits

How to Apply for a ZK Pesa Loan

Follow these simple steps:

1. Register

Download the ZK Pesa app and sign up using your mobile number.

2. Fill in Basic Details

Provide your ID details and M-Pesa number.

3. Submit Your Loan Request

Choose your preferred loan amount and repayment period.

4. Get Instant Approval

ZK Pesa uses automated credit scoring to approve loans within minutes.

5. Receive Your Money

Cash is deposited straight into your M-Pesa wallet.

How to Repay Your ZK Pesa Loan

You can repay in any of these ways:

✔ Via the ZK Pesa App
✔ Through M-Pesa Paybill (provided in the app)
✔ Early repayment allowed — reduces your cost of borrowing
✔ Timely repayment increases your limit

ZK Pesa Contacts

  • Phone: +254 207905106

  • Email: customersupport@zkpesa.com

  • Website: https://web.zkpesa.com

  • Address: 60 Peponi Rd, Nairobi, Kenya

  • Office Hours: Monday to Saturday, 8 AM – 5 PM

Is ZK Pesa Legit? Yes — It Is CBK Licensed

The app is officially registered and regulated by the Central Bank of Kenya, meaning:

✔ Transparent loan pricing
✔ Customer protection
✔ Secure data handling
✔ Legal and trustworthy operations

ZK Pesa is in the same category as other CBK-licensed digital lenders such as Tala, Daviva, Loop Pesa, Sulu Cash, Choice Sasa, and more.

ZK Pesa vs Other CBK-Licensed Loan Apps in Kenya

Below is a comparison with other trusted licensed digital lenders in Kenya.

Comparison Table: ZK Pesa vs Other CBK-Licensed Loan Apps

Loan App Loan Limit APR / Interest Rate Repayment CBK Licensed Notes
ZK Pesa 2,000–40,000 12%–36% APR 91–365 days ✔ Yes Zero service fee
Daviva (Pesakuu Credit Ltd) 500–30,000 Up to 30% APR 61–122 days ✔ Yes Fast & transparent
Tala 500–30,000+ ~13–15% monthly 30–90 days ✔ Yes Popular & reliable
Loop Pesa 6,000–40,000 13%–29% APR 100–300 days ✔ Yes Line-of-credit
PesaIn Variable 15%–34% APR 91–180 days ✔ Yes Instant digital credit
Raha Pesa 5,000–500,000 16%–34% APR 91–180 days ✔ Yes High loan limits
Sulu Cash 1,000–50,000 15%–35% APR 91–180 days ✔ Yes Instant disbursement
FairKash+ Variable 30% APR 91–180 days ✔ Yes Easy approval
Choice Sasa Variable Up to 34% APR 91–180 days ✔ Yes Quick application
Beta Pesa Variable Similar APRs 91–180 days ✔ Yes Trusted lender

Advantages of Using ZK Pesa

✔ Long repayment periods (up to 12 months)
✔ Low starting APR (12%)
✔ Zero service fee
✔ CBK regulated
✔ Safe & easy to use

Final Verdict: Should You Use ZK Pesa?

Yes — ZK Pesa is a solid option for anyone looking for:

  • Transparent loan terms

  • Fast approval

  • Fair interest rates

  • A long repayment period

  • A fully CBK-licensed lender

It is ideal for emergency needs, everyday expenses, and credit building.

⚠ Important Warning to Borrowers

Before taking any loan — whether from ZK Pesa or any other lender:

⚠ Borrow only what you can repay
⚠ Avoid multiple loans at the same time
⚠ Read all fees and terms before accepting
⚠ Late repayment will reduce your credit score and increase costs

Digital loans are helpful, but unhealthy borrowing can trap you in a debt cycle. Always use loans responsibly.

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Location: Kenya

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