ZK Pesa- Instant Loan Solution

3.8
396K reviews
1M+
Downloads
Content rating
Everyone
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About this app

🌟 What Makes ZK Pesa Stand Out?
ZK Pesa offers quick and hassle-free cash loans tailored to meet the needs of Kenya's dynamic market. With our streamlined process, borrowers can access funds swiftly to address their financial requirements. Simply provide your M-Pesa account details, and enjoy the convenience of instant cash loans at your fingertips. Our commitment to transparency and customer satisfaction sets us apart, ensuring a reliable and trustworthy lending experience. Experience the convenience of ZK Pesa for all your cash loan needs in Kenya.

💡 How to Tap into the Benefits?
1. Get started with your Kenya phone number and embark on your financial journey.
2. Fill in your basic details and let us take care of the rest.
3. Watch as your loan swiftly lands in your designated account.
4. Stay ahead of the game by making timely repayments and watching your credit score soar.

💪 Join Our League of Loan Warriors!
1. Age must be 18 years and above.
2. Employed/self-employed with a stable income.
3. Possess a mobile phone number with a mobile money wallet.
4. Must hold a national identity card.

💰 Insider Insights into Loans:
- Loan Amount: From Ksh 2,000 to Ksh 40,000
- Minimum Loan Repayment Period: 91 days including loan extension
- Maximum Loan Repayment Period: 365 days including loan extension
- Maximum APR: 36%
- Minimum APR: 12%
- Service Fee = Ksh 0

💡 Tips: Your credit limit and annual percentage rate (APR) are determined by our credit scoring system and will not exceed the APR range mentioned above. Your responsible repayment behavior will increase your credit limit and qualify you for lower interest rates.

📊 Dive into the Numbers with a Loan Example:
- Loan Amount = Ksh 5,000
- Loan Period = 91 days
- Service Fee = Ksh 0
- Annual Interest Rate = 18.1%
- Total Interest = Ksh 5,000 * 18.1% * 91/365 = Ksh 225
- Total Repayment Amount = Ksh 5,000 + Ksh 225= Ksh 5,225

🌐 More Than Just Loans - We're Your Financial Partner!
ZK Pesa is here to empower you on your financial journey. With no collateral needed, a seamless online process, lightning-fast approvals, and top-notch security, we've got you covered.

🔍 Questions? We're Here to Help!
Have queries about our loan process? Reach out anytime, and we'll guide you through every step.

Ready to take control of your finances? Let ZK Pesa lead the way! 🌟
Contact Us: +254 207905106
If you have any questions, please feel free to contact us. We will get back to you within three working days.
- Email: customersupport@zkpesa.com
- Office Hours: Monday to Saturday, 8 AM to 5 PM
- Official Website: https://web.zkpesa.com
- Address: 60 Peponi Rd, Nairobi, Kenya

💡ZK Pesa – Your Gateway to Financial Freedom!
Updated on
Dec 19, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Photos and videos
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.8
395K reviews
Paul Gitonga
January 4, 2026
This app advertising interest rate is totally different with real interest put to the amount offered. it's offering an abnormal interest of 41%. Its totally misleading the public and should be closed, or either take money sort your problems and don't pay. These are are thieves.
30 people found this review helpful
Chapeo Capital Limited
January 5, 2026
Hello customer, Thank you for your feedback. Your satisfaction is important to us and we want to help you effectively. Please contact our customer service at 0207905106 or email customersupport@zkpesa.com so that we can deal with you in a timely manner, thank you!
Kassim Tsuma
December 26, 2025
I think this app is the better option than ever and it's interesting because it changes someone's life because I have some of people have been rising their standards through lendpus loan so I would like to tell others more about this app so you can get more customers and I think that it was my role tell others about this so that we can depend in each other because that is the way to support you and us and I promise that am not going to late down because I wanted to rise my life standard thanks
377 people found this review helpful
Chapeo Capital Limited
December 27, 2025
We truly appreciate your kind review! Your support encourages us to improve even more. Reach us anytime at email customersupport@zkpesa.com or call 0207905106
David Koome
January 9, 2026
Zk pesa app is the best loan app to get loan from since they have favorable interest rates.They have a good working staff that listen to clients needs and respond quickly to customer needs.Download the app on Google play store and apply their loans for business boost.Zk the best app in 2025
49 people found this review helpful
Chapeo Capital Limited
January 10, 2026
Thank you so much for your 5-star rating! We're happy you enjoyed your experience. Should you need support, call 0207905106 or email customersupport@zkpesa.com

What’s new

Updated UI and interaction design to improve overall usability
Performance optimizations, stability improvements, and bug fixes