This loan is available for members with any savings account ie Toto junior savings,smart savings account and holiday savings.

The following are the features:

  • Only active members for a period of 6 months with toto junior savings account,and smart savings account are eligible for the loan.
  • No security of guarantors required.
  • A member can access a maximum of Ksh. 50,000 instantly via USSD code *720# or mobile APP.
  • Members can only qualify a maximum of Ksh. 100,000.
  • Repayments period ranges between 1-6 months.
  • Interest rate of 5% reducing balance.