Get a loan

CBK-licensed Digital Credit Provider

A loan backed by your chama
Fast.

Borrow with your chama's backing. Disbursed straight to M-Pesa in under 6 hours, with full pricing shown before you sign.

Apply now How it works

Licensed by CBK M-PESA Daraja partner No CRB listing for < 30 days late

Sample disbursement

KES 20,000

M-PESA

Origination fee (4%)KES 800

Interest (30 days flat)KES 600

Tenor30 days

Chama cover25% of pool

Total repayable KES 21,400

APR 28.0% — disclosed per CBK Digital Credit Provider rules.

The chairperson of your chama must approve the request before SonkoLend disburses.

200+

Chamas onboarded

12,000+

Members served

KES 240M+

Disbursed

6 hrs

Median time to cash

Loan products

Built for the way chamas actually borrow

Short tenors, transparent pricing, and a repayment schedule you'll see before signing.

🛒

Stock-up loan

For market traders restocking ahead of demand spikes.

Amount: KES 2k – 50k
Tenor: 7 – 60 days
Fee model: Flat

Apply now →

🎓

School-fees loan

Cover term fees with a longer tenor and a declining balance.

Amount: KES 5k – 80k
Tenor: 30 – 120 days
Fee model: Declining bal.

Apply now →

Emergency loan

Fast-track approval for hospital, bereavement, or urgent fees.

Amount: KES 1k – 20k
Tenor: 7 – 30 days
Fee model: Simple fee

Apply now →

How it works

Three steps. Two approvals. One disbursement.

Apply

Choose a product, enter the amount, and see your repayment schedule before you submit.

Chama approves

Your chairperson sees your request, your repayment history, and approves with one tap.

Get cash

SonkoLend underwrites, then disburses straight to your M-Pesa — typically same-day.

Are you a chama chairperson?

Onboard your chama in 30 minutes.

You stay in control: every member loan needs your approval first, and you'll see headroom against your pledged balance in real time.

Two-key approval — neither party can disburse alone.
Group funds stay in your existing M-Pesa or bank account.
No contact-list scraping, no shaming, no 6am calls.

Wakulima Chama Sacco

22 members · Nairobi

Active

Pledged balance

KES 600,000

Headroom

67%

Active loans

PAR > 7

1.2%