TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
Zenka Finance
Repay your Zenka mobile loan via M-Pesa paybill.
Looking for a loan?
Compare digital lenders in Kenya
Before borrowing from Zenka, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersHow to pay Zenka
M-Pesa
Pay via M-Pesa 440 022
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 440 022
- Enter Account (Phone Number): Your Zenka-registered phone number or loan ID.
- Enter the amount — in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Phone Number: Your Zenka-registered phone number or loan ID.
Calculator preview
M-Pesa fees for Zenka
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | — |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About Zenka
Repay your Zenka mobile loan via M-Pesa paybill.
- Sector
- Lending
- Official site
- zenka.co.ke
Compare lenders
Compare alternatives to Zenka
Other CBK-licensed digital lenders. Rates and approval criteria vary.
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 FinanceFrequently asked about Zenka
What is Zenka's paybill number?
Zenka's M-Pesa paybill is 440022. Repay your Zenka mobile loan via M-Pesa paybill.
How do I pay Zenka via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 440022, then your account (Your Zenka-registered phone number or loan ID.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Zenka?
Your Zenka-registered phone number or loan ID.
Can I pay Zenka from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Zenka's paybill 440 022. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Zenka?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
How do I repay my Zenka loan?
Use M-Pesa paybill 440022 with your Your Zenka-registered phone number or loan ID.. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact Zenka support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal — though success isn't guaranteed.
How do I confirm my payment to Zenka went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code — it's your proof of payment. Zenka should also confirm receipt via their channels.
Further reading
Curated external sources we cite. Open in a new tab.
M-Pesa Fuliza Calculator
Fuliza overdraft access fee + daily charges calculator.
mpesa.or.ke · calculator
M-Shwari Calculator
M-Shwari savings interest + loan interest calculator (NCBA).
mpesa.or.ke · calculator
M-Pesa Taasi Till Loan Calculator
Taasi merchant lending product specifically.
mpesa.or.ke · calculator
More from Lending
Related paybills
paybillke is an independent directory and tools service. We are not affiliated with Safaricom, Airtel, T-Kash, or any listed company.
Paybill displayed: 440 022 (mpesa paybill). How we verify.