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非洲现金贷观察:如何在肯尼亚申请贷款:Zenka Finance!|出海非洲现金贷岛群第52期

2020-02-02 20:32:58

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本文将介绍您需要从中获得Zenka Loan的所有信息,您可以从哪里获得申请,如何申请和偿还贷款。 Zenka Finance是在肯尼亚经营的一家贷款公司。下载和使用Zenka贷款申请非常简单,只需不到三分钟即可注册并申请贷款。批准后,资金将直接通过Mpesa发送到您的手机。此外,Zenka Finance提供了一种快速,可靠和方便的方式来随时获取贷款。 Zenka贷款对于任何肯尼亚人来说都是理想的选择,因为它们不需要任何抵押,而且可以快速获得批准,而且个人可以以较低的费用获得更高的贷款额。

 

Zenka贷款的运作方式

Zenka贷款应用程序使用机器学习算法来访问个人的信用资料,处理各种数据输入并为个人设计理想的贷款产品。此应用程序收集的一些数据是GPS数据,设备信息,联系人列表,SMS日志,呼叫日志和还款历史记录。在应用程序可以访问所有这些信息之前,您首先必须征得您的同意。收集的数据用于验证客户的身份,保护其身份并为其创建信用评分。

 

如何通过Zenka贷款应用程序在线申请贷款

在线申请Zenka贷款之前,您必须满足以下要求:

 

有国家身份证号码

拥有智能手机

拥有已在Mpesa注册的Safaricom产品线

满足上述要求后,您可以按照以下步骤申请Zenka贷款:

 

在智能手机上转到Play商店并搜索Zenka Loan App

在智能手机上下载Zenka Loan应用程序,然后进行安装。

安装后打开应用程序。

使用您的电话号码进行注册。

填写将提供的表格,以便Zenka Finance可以进行审核。在表格中,您将需要填写姓名,身份证号和出生日期。

等待反馈以继续您的贷款申请。

信息通过验证后,您将被带到“贷款报价”页面,在该页面上您将可以借贷。

提交贷款申请并等待批准。

批准后,您将在Mpesa帐户中收到款项。

Zenka贷款限额和利率费用

Zenka的贷款限额为Kshs。 500($ 5)到Kshs。 20,000($ 200),还款期为7-30天。按时偿还贷款是提高贷款限额的肯定方法。 Zenka贷款还将向在30天内偿还贷款的用户收取11%的利率。

 

如何通过M-Pesa偿还Zenka贷款

打开您的Mpesa菜单

选择“ Lipa na Mpesa”选项

点击付款单

输入979988作为商家编号

使用您的电话号码(您在Zenka中注册的号码)作为帐号。

输入您要还款的金额。

输入您的Mpesa密码,然后授权交易。

等待来自Mpesa的SMS确认交易。



How To Apply For A Loan In Kenya: Zenka Finance

This article will look at all you need to know about Zenka Loan from where you can get the application, how to apply and repay the loan. Zenka Finance is a lending company that operates in Kenya. Downloading and using Zenka loan application is straightforward and it takes less than three minutes to sign up and apply for a loan. Upon approval, money is sent directly to your phone via Mpesa. Additionally, Zenka Finance provides a fast, reliable and convenient way to access a loan whenever you need it. What makes Zenka loans ideal for any Kenyan is that the loans do not need any collateral, they get approved fast, and an individual can access higher loan amounts at a low fee.

 

How Zenka Loan Works

Zenka loan application uses machine learning algorithms to access the individual’s credit profiles, process various data entries and design the ideal loan product for a person. Some of the data collected by this application are GPS data, device information, contact list, SMS log, call log and repayment history. Before the application can access all this information, you will first have to give your consent. The collected data is used to verify the customer’s identity, protect his/her identity as well as create a credit score for him/her.

 

How to Apply for A Loan Online Via Zenka Loan App

Before applying for Zenka loan online, you should meet the following requirements:

 

Have a National Identification number

Have a smartphone

Have a Safaricom line that has been registered with Mpesa

After satisfying the above requirements, you can use the following procedure to apply for a Zenka Loan:

 

Go to Play Store on your smartphone and search for Zenka Loan App

Download the Zenka Loan application on your smartphone then install it.

Open the application after installing it.

Use your phone number to register.

Fill in the form that will be provided so that Zenka Finance can conduct a review. In the form, you will be required to fill out your name, National ID number, and date of birth.

Wait for feedback to proceed with your loan application.

Once your information is validated, you will be taken to loan offer page where you will borrow the loan.

Submit the loan request and wait for approval.

After approval, you will receive money in your Mpesa account.

Zenka Loan Limits and Interest Rate Charges

Zenka loan limit ranges from Kshs. 500 ($5) to Kshs. 20,000 ($200) and the repayment ranges between 7-30 days. Paying the loan on time is a sure way of increasing your loan limit. Zenka loan will also charge 11% interest rate to users who repay their loans within 30 days.

 

How to Repay Zenka Loan Through M-Pesa

Open your Mpesa menu

Select the Lipa na Mpesa option

Click Paybill

Enter 979988 as the business number

Use your phone number (the number you registered with Zenka) as the account number.

Enter the amount you want to repay.

Enter your Mpesa pin then authorise the transaction.

Wait for an SMS from Mpesa that confirms the transaction.

 

 



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