Instant on mobile loan is a mobile loan product which allows member to borrow through the phone.


  • Maximum limit is kshs 100,000/=.
  • Minimum limit is kshs 3,000/=.
  • Qualifying loan is up to 25% member's deposit.
  • Interest rate is 5% monthly on reducing balance.
  • Maximum repayment period is 3months.
  • Can access 3 loans at the same time within the limit.
  • Full Sacco membership of at least 3 months.
  • To be register on M-sacco (Mobile banking platform).