MTN MoMo in partnership with financial institutions, offers short-term financial assistance to help customers and agents meet emergencies, business needs, everyday expenses, and pay back later.

MTN MoMo loans are classified into:

• Overdraft: MoMo Advance
• Personal Loans: MoKash, MoPesa, XtraCash, MoSente, School Fees Loan
• Agent Loans: Agent Float Loan, Weekend Loan

• To qualify for a loan, customer should; 
  • Be 6 months on the MTN network and above, 
  • Be a good user of MTN services and Mobile money services. 
  • Have paid his/her previous loans in time.
• To check loan limit, Simply dial *165*5# select the loan of your choice and check your limit. 

• Step 1: Dial *165*5# on your personal or agent line, 
• Step 2: Select the loan of your choice to borrow instantly. 

• Step 1: Dial *165*5# on your personal or agent line, 
• Step 2: Select the ‘loan’ you borrowed from, 
• Step 3: Select ‘Pay Loan’ to Repay

Paying on time helps you to:

• Maintain access to loans
• Encourages your loan limit to grow. 
• Positively impacts your credit profile with Credit Reference Bureau (CRB) record enabling you access loans.

• Your loan remains linked on your National Identification Number (NIN),
• It is listed on CRB (Credit Reference Bureau) affecting access to future

• A CRB Report is a document that shows your history of borrowing and repayment behavior. It is generated by a licensed Credit Reference Bureau and is used by financial institutions to assess your loan behavior.

• No. Changing or replacing your Sim card doesn’t cancel your loan
• Your loan obligation remains linked to your identity through your NIN and remains payable even if you change your SIM card or stop using the number.
• A sim change does not cancel a loan. Your repayment obligation remains.

• You can grow your loan limit by borrowing and paying back in time often. 
• Consistent good repayment behavior may help you qualify for higher limits for future loans.

• You will be charged a penalty depending on the loan product,
• Your loan balance will increase. 
• Your limit may decrease or be canceled. 

• You can replace your SIM card and continue repaying your loan as usual. 
• If the SIM card has been recycled, visit any MTN Service Center, 
  • Complete a consent form, 
  • Provide a loan reference form, National ID, and an alternative phone number through which you can repay the outstanding loan.

• Dial 100 
• Visit the nearest MTN Service Centre
• Contact MTN through its official digital channels: mtnmomoug

MTN MoMo in partnership with financial institutions, offers short-term financial assistance to help customers and agents meet emergencies, business needs, everyday expenses, and pay back later.

MTN MoMo loans are classified into:

• Overdraft: MoMo Advance
• Personal Loans: MoKash, MoPesa, XtraCash, MoSente, School Fees Loan
• Agent Loans: Agent Float Loan, Weekend Loan

• To qualify for a loan, customer should; 
  • Be 6 months on the MTN network and above, 
  • Be a good user of MTN services and Mobile money services. 
  • Have paid his/her previous loans in time.
• To check loan limit, Simply dial *165*5# select the loan of your choice and check your limit. 

• Step 1: Dial *165*5# on your personal or agent line, 
• Step 2: Select the loan of your choice to borrow instantly. 

• Step 1: Dial *165*5# on your personal or agent line, 
• Step 2: Select the ‘loan’ you borrowed from, 
• Step 3: Select ‘Pay Loan’ to Repay

Paying on time helps you to:

• Maintain access to loans
• Encourages your loan limit to grow. 
• Positively impacts your credit profile with Credit Reference Bureau (CRB) record enabling you access loans.

• Your loan remains linked on your National Identification Number (NIN),
• It is listed on CRB (Credit Reference Bureau) affecting access to future

• A CRB Report is a document that shows your history of borrowing and repayment behavior. It is generated by a licensed Credit Reference Bureau and is used by financial institutions to assess your loan behavior.

• No. Changing or replacing your Sim card doesn’t cancel your loan
• Your loan obligation remains linked to your identity through your NIN and remains payable even if you change your SIM card or stop using the number.
• A sim change does not cancel a loan. Your repayment obligation remains.

• You can grow your loan limit by borrowing and paying back in time often. 
• Consistent good repayment behavior may help you qualify for higher limits for future loans.

• You will be charged a penalty depending on the loan product,
• Your loan balance will increase. 
• Your limit may decrease or be canceled. 

• You can replace your SIM card and continue repaying your loan as usual. 
• If the SIM card has been recycled, visit any MTN Service Center, 
  • Complete a consent form, 
  • Provide a loan reference form, National ID, and an alternative phone number through which you can repay the outstanding loan.

• Dial 100 
• Visit the nearest MTN Service Centre
• Contact MTN through its official digital channels: mtnmomoug