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Group-backed microcredit for Kenyan chamas

A loan backed by your chama. Fast.

Borrow against the savings your chama has already pledged. Every fee is shown before you sign, and the money lands in your M-Pesa once your chairperson and SonkoLend both approve.

No CRB listing for anyone under 30 days late, and never without 30 days written notice. How CRB listing works

Get started How it works
  • Full pricing before you sign
  • Two approvals: your chama and SonkoLend

What it costs

KES 50,000

M-PESA
Product
Repay over
Origination fee (5%)KES 2,500
Interest (0% per month on balance, 30 days)KES 0
Chama cover reserved50% of loan value
Final repayment29 Oct 2026
Total repayable KES 52,500

Cost of credit KES 2,500. APR 60.8%

If late: 0.06% of outstanding principal per day after the grace period.

Your chairperson must approve the request before SonkoLend disburses.
Full pricing & fees →

Full cost shown before you sign

Your chairperson approves every loan

Paid straight to your M-Pesa

No CRB listing under 30 days late

Loan products

Built for the way chamas actually borrow

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

Informal Loan

Loan for Village

Amount
KES 1 – 100k
Tenor
30 – 90 days
Fee model
Declining balance
Example
KES 50,000 for 30 days costs KES 2,500
See how to apply

Salary Advance

Salary Advance

Amount
KES 1 – 50k
Tenor
1 – 30 days
Fee model
Flat
Example
KES 25,000 for 1 days costs KES 1,250
See how to apply

See the full fee table and worked examples

How it works

Three steps. Two approvals. One disbursement.

1

Apply

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

2

Your chama approves

Your chairperson sees the request and your repayment history, and approves or declines.

3

Get cash

SonkoLend reviews, you sign by SMS code, and the money is sent to your M-Pesa.

The full process, step by step →

Are you a chama chairperson?

Your members borrow. You stay in control.

Every member loan needs your approval first, you see headroom against your pledged balance in real time, and cover is only ever drawn after a loan is 60 days late, two SonkoLend officers have approved it, and you have been told in writing.

  • Two-key approval: neither SonkoLend nor your chama can disburse alone.
  • Group funds stay in your existing M-Pesa or bank account.
  • No contact-list scraping, no shaming, no 6am calls.
  • A written recovery process you can take to your members before you sign.
What chamas need to know Register your chama

What the chairperson controls

  • Which members are on the platform, and who is suspended.
  • Every loan request: approve or decline, with the member's history in front of you.
  • The pledged balance and the cover ratio, changed only with a second officer.
  • Written notice of any drawdown on your cover, with the loan, the amount and the date, after two SonkoLend officers have approved it.

Your chama has your back.

See the full cost, get your chairperson's nod, and receive funds straight to M-Pesa.

Get started Register your chama