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Members join through their chama
SonkoLend lends to members of chamas that have registered and pledged cover. That is why there is no open sign-up: your chama vouches for you, and you borrow against its pledge. Pick the option that matches you.
You were looking at the Salary Advance. You can apply for it once you are signed in.
I have an invite code
Your chama's secretary sent you a code by SMS. Redeem it with your phone number and you are in.
Redeem my invite →My chama is already on SonkoLend
Sign in with the phone number your chama registered. You get a code by SMS; there is no password to remember.
Sign in to apply →My chama is not on SonkoLend yet
A chairperson or officer registers the chama in about 30 minutes. Our team reviews it, and the officers then invite the members.
Register your chama →What happens after you sign in
- A short identity check: your national ID number and a selfie.
- Pick a product and an amount, and see the full repayment schedule before you submit.
- Your chairperson approves, then SonkoLend approves.
- You sign with an SMS code and the money is sent to your M-Pesa.
Not in a chama?
SonkoLend currently lends only through registered chamas. Any group of savers can register one; registration is free and the officers stay in control.
What chamas need to know →