TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaTala vs Zenka: which is right for you?
Tala and Zenka both target the digital-credit user who needs KES 500 to KES 30,000 fast. Tala has the longer track record and bigger limits for established borrowers; Zenka tends to onboard newer customers and rewards good repayment with quicker re-lending.
Tala
lending,851900
A US-founded mobile lender, one of the first to scale digital credit in Kenya, now CBK-licensed.
Detail pageZenka
lending,979988
A digital lender that targets first-time borrowers with smaller starter limits and faster repeat lending.
Detail pageWhich is better for what
Quick guide by use case. Pick the row that matches your situation.
For a first-time digital borrower
Zenka approves first-time applications at higher rates than Tala does for thin-file borrowers.
Zenka
For a repeat borrower with strong history
Tala's limits scale higher for proven borrowers, often to KES 30,000 or more after several successful loans.
Tala
For the lowest interest rate
Tala's effective interest rate runs slightly lower than Zenka's on equivalent amounts.
Tala
For a small starter loan with quick disbursement
Zenka disburses smaller amounts to new users faster than Tala.
Zenka
At a glance
| Tala | Zenka | |
|---|---|---|
| Sector | lending | lending |
| M-PESA paybill | 851900 | 979988 |
| Detail page | View | View |
Compare lenders
Compare Tala and Zenka live
A small first transfer or loan application is the fastest way to see real all-in cost for your specific case.
BR
Branch
CBK-licensed
Mobile loans with credit-history building. CBK-licensed.
Visit BranchZN
Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceCommon questions
What is Tala's M-PESA paybill for repayment?
Tala's M-PESA paybill is 851900. Use your registered phone number as the account.
What is Zenka's M-PESA paybill?
Zenka's M-PESA paybill is 979988. Use your registered phone number as the account.
Are both Tala and Zenka CBK-licensed?
Yes. Both are licensed Digital Credit Providers under the 2022 CBK regulations.
Which has higher interest rates?
Zenka's rates run slightly higher than Tala's on equivalent amounts and tenors. Both are well above bank-loan rates.
More lending comparisons
Branch vs Zenka
Branch vs Zenka: limits, interest rates, who they approve. Which mobile lender suits a returning bor...
M-Shwari vs Tala
M-Shwari vs Tala: which mobile lender suits a saver, a non-saver, or someone needing flexible terms....
KCB M-PESA vs Tala
KCB M-PESA vs Tala: interest rates, loan limits, paybill numbers. Which suits a big-ticket borrower ...
Fuliza vs M-Shwari
Fuliza vs M-Shwari: when to use the overdraft vs the structured loan. Charges, how to access, and th...
Related
paybillke is an independent directory and tools service. We are not affiliated with Safaricom, Airtel, T-Kash, or any listed company.
Last updated . How we verify.