How to repay a Zenka loan via M-PESA (paybill 979988), 2026

Zenka is one of the CBK-licensed app lenders, known for a free first loan and short terms. Repaying early keeps the effective cost down, and the fastest route is the M-PESA paybill.

The verified paybill

Zenka is paybill 979988. The account is your Zenka-registered phone number or your loan ID. The registered phone in the account field is what ties the payment to your loan, even if a friend sends it for you.

Repay Zenka step by step

1. Open the M-PESA app, or dial *334#.
2. Select Lipa na M-PESA, then Pay Bill.
3. Business number: 979988.
4. Account: your Zenka-registered phone number (or loan ID).
5. Enter the repayment amount.
6. Enter your M-PESA PIN and confirm.

Keep the M-PESA SMS.

Balance still showing after paying

After clearing, and CRB

If a default was reported, clearing the loan does not remove the CRB entry by itself. Request a clearance letter from Zenka (within 7 working days). Zenka updates CRB, and the listing clears within about 14 days of the letter.

What it costs

Zenka adds no fee on top of the M-PESA tariff.

Frequently asked questions

What is the Zenka paybill number?

Zenka is paybill 979988. The account is your Zenka-registered phone number or loan ID.

My Zenka balance is still showing after paying. What do I do?

Wait 15 minutes, then contact Zenka with the M-PESA code and registered phone. Do not pay again until they confirm the first did not land.

What account do I use to repay Zenka?

Your Zenka-registered phone number or your loan ID.

Can someone else repay my Zenka loan?

Yes, as long as your Zenka-registered phone number is in the account field. The payment lands on your account regardless of who sends it.

Resources

• Zenka paybill 979988, the verified directory entry, is at paybillke.com/paybill/zenka.
• See our Zenka Digital Kenya review and the best loan apps in Kenya for 2026.