Loan Products
Borrow up to 5x your savings. Smart, flexible loans applied and disbursed entirely through the Mombo App.
— INDIVIDUAL LOANS
For personal needs
Quick Loan
Emergency cover for medical bills, rent or urgent personal needs. Unsecured — no collateral needed. Disbursed instantly via the Mombo App. Requires a Flexible Savings Account and at least the first instalment of share capital (KSh 5,000 for Bronze, KSh 10,000 for other tiers).
Insta Loan
Quick cash for personal or business needs. Borrow up to 5x your savings based on MScore. Hold up to 3 loans simultaneously. Up to 6 months to repay. Credit life insured. Minimum 3 months of consistent savings required.
Lifestyle Access Loan
For significant lifestyle milestones — weddings, home renovations, vacations or further education. Repay comfortably over 6 to 72 months. Credit life insured. One loan at a time. Minimum 3 months of continuous savings required.
— SME & GROUP LOANS
For businesses & Chamas
Salary Advance Loan
For salaried employees of SME Biashara account holders. Quick relief for urgent expenses — unsecured, no collateral, 1-month repayment. Employees must have minimum 3 months of consistent savings by their employer's SME account.
Nawiri Loan
Short-term development funding for SMEs, Chamas and groups. Up to 3 loans at a time, repayable within 12 months. Borrow up to 5x savings based on MScore. Requires 6 months of consistent group savings.
Imarika Loan
Long-term financing for development projects or asset acquisition by Chamas, groups and SMEs. One loan at a time. Repayment over 12 to 72 months. SME Biashara account required for minimum 6 months prior.
— FLEXIBLE BORROWING
Lending on your terms
Our loan strategy is built around your life — not the other way around.
Up to 50% Interest Discount
Pay loan installments early and earn up to 50% off your interest. Rewards responsible borrowing while reducing your total debt cost.
Skip a Pay (Twice Per Year)
Push a loan installment forward by one month — up to 2 times per calendar year with at least 2 months between requests. No penalties, no credit impact.
Loan Moratorium
In the event of significant financial disruption, pause your repayments temporarily. Interest continues to accrue, but no payments are required during the moratorium.
Loan Restructuring
Extend your loan tenure or modify your repayment schedule to match your current financial capacity — with Mombo's full support.
Loan Due Date Change
Align your repayment date with your salary or income receipt date to eliminate timing mismatches and reduce the risk of missed payments.
Loan Consolidation
Merge multiple loans into a single monthly payment, reducing complexity and making your finances easier to manage.
Collateral Asset Financing
Secure loans using motor vehicles or land as collateral. Finance up to 105% of the asset's value — the extra 5% covers contingent costs like insurance premiums.
MScore Risk-Based Lending
Our credit engine uses transaction behavior, geo-location, app interactions, demographic data and bureau data to assess creditworthiness fairly — opening credit to more people.
— LOAN GUARANTEE MODEL
Guarantors have control
Unlike traditional Sacco models, Mombo's guarantee system gives guarantors full transparency and choice. You decide exactly how much liability you are comfortable with — and that is the only amount you are responsible for.
Use the M-Community feature in the Mombo App to find fellow members willing to guarantee your loan — and to offer your guarantee support to others in the community.
Apply for a loan today
All loan applications, approvals and disbursements happen on the Mombo App.
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