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


  • Maximum limit is kshs 70,000/=.
  • Minimum limit is kshs 1,000=.
  • Qualifying loan is up to 50% member's deposit.
  • Interest rate is 0%.
  • One-off facility fee of 5%(upfront).
  • Payable within 1 month with a rollover option.
  • Can access 3 loans at the same time within the limit.
  • Full Sacco membership of at least 3 months.
  • To be register with M-sacco (Mobile banking platform).