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Apply for a loan by USSD

Version 1 · Updated 22 Jun 2026

Apply for a loan by USSD

1On your phone's dialer, type *384*25611# and press the green call button.
2The main menu opens. Reply with your SACCO's number — for example 5 — and tap Send.
3Reply 3 for Loan, then choose to apply and follow the prompts for amount and term.
Apply for a loan by USSD

Apply for a SACCO loan from your phone.

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Summary

Apply for a SACCO loan from your phone by USSD.

About 3 minutes · 5 steps. Also called: borrow, take a loan, loan application by USSD.

Prerequisites

  • A phone using the number registered with your SACCO.
  • A USSD PIN set up — see Set or reset your USSD PIN.
  • Know how much you want and for how long.

Step-by-step

Here's an example of applying for a loan:

  1. Dial 38425611#.
  2. Reply with your SACCO's number (for example 5) and send.
  3. On your SACCO menu, reply 3 for Loan, then choose to apply.
  4. Enter the loan amount, then the repayment period, following each prompt.
  5. Confirm with your PIN. Your application is submitted — you'll get a message, and the SACCO reviews it.

Your SACCO's USSD menu in the phone — 1 Saving, 2 Shares, 3 Loan, 4 Create / Reset PIN

Note: Amounts and terms have limits set by your SACCO, and a loan product may need approval. The exact prompts vary, but the order is: Loan → apply → amount → term → confirm.

Common pitfalls & FAQ

  • My amount was rejected. Stay within your SACCO's limits for that loan. Try a smaller amount or ask the SACCO about your eligibility.
  • What happens after I apply? It goes to the SACCO for a decision; you'll be notified. You can also track loans in the member app — see See and repay your loans.
  • "Session expired." Dial again and move through the steps without long pauses.
  • Nothing happened after I confirmed. Check for an SMS; if there's none, dial in again or contact your SACCO.