Repay a loan by USSD
Summary
Pay money towards a SACCO loan from mobile money — part of it, or all of it. About 3 minutes · 7 steps. Also called: repayment, pay back, settle.
Prerequisites
- The phone with your registered number, with money in your mobile money.
- A USSD PIN. See Set or reset your USSD PIN.
- What you owe. Check it first with Check your balances by USSD.
Step-by-step
Dial your network's code (Kenya
*384*25611#, Uganda, MTN*165*4*4#, Uganda, Airtel*185*7*3*3#). USSD's sign-in is the number you dial from.Reply with your SACCO's number (for example 5) and send.
Reply 3 for Loan. The loan services open.
Figure 1: Your SACCO's USSD menu on the handset, where you reply 3 for Loan to reach repayment (1 Saving, 2 Shares, 3 Loan, 4 Create / Reset PIN) Choose the repayment option, then pick the loan you are paying. Each loan is listed with its account number and product name.
Type the amount to pay. It is checked against what you owe, and against your SACCO's smallest and largest allowed payment.
Read the summary — the total including any fee — then confirm, or cancel if something looks wrong.
Approve the payment (your mobile-money prompt, or your PIN). A confirmation message arrives.
Note: Paying on time keeps charges down, and a part payment counts from the moment it posts.
Common pitfalls & FAQ
- Which loan am I paying? If you have several, match the account number or product name in the list before you confirm.
- Why is the total higher than what I typed? Your SACCO can add a fee to a USSD payment. The full total shows before you confirm, and you can cancel there.
- The money left but the loan balance didn't drop. Repayments post in real time. Wait a few minutes and check again; if it is still wrong, contact your SACCO with the amount and mobile-money reference.
- My loan isn't in the list. The loan account must be active for loan services. Ask your SACCO to check it.