Tala vs Branch vs Zenka: Which Mobile Loan App Suits You?
Tala, Branch, and Zenka are three of the most widely used mobile lending platforms in Kenya. Each is fully licensed by the Central Bank of Kenya and disburses cash straight to your Safaricom M-Pesa wallet, but their fee structures and loan limits differ.
1. Tala (Inventure Mobile Limited)
Tala is well suited for fast short-term borrowing. First-time borrowers typically start with limits between KES 1,000 and KES 5,000, with top limits reaching KES 50,000. Interest rates range from 5% to 15% flat for a 30-day term.
2. Branch (Branch International)
Branch offers higher loan limits (up to KES 300,000) and longer repayment schedules stretching from 1 to 12 months. Interest rates range between 2% and 18% monthly depending on your credit history and repayment reliability.
3. Zenka (Zenka Digital Limited)
Zenka provides loan limits up to KES 30,000 with flexible extension features. Interest rates range between 9% and 15% for a 30-day loan term.
Compare these platforms against other licensed options in our complete Loanely Directory.