What do the statuses mean?

Disbursed means the money was paid out and repayments are due. Over due means the due date has passed and the loan isn't fully paid. Pay as soon as you can, and talk to your SACCO if you can't.

The loan amount dropped by less than I paid.

Each payment is split across the loan amount, the interest and the charges, so the loan amount alone falls by less than you paid.

I paid and nothing changed.

Give it a few minutes and open My Loans again. If it's still wrong, contact your SACCO with the date and amount.

Nothing shows under My Loans.

You may have no loan yet, or your membership may not be active for loan services. Your SACCO can check for you.

See and repay your loans

Member App Updated 28 Aug 2026 Version 1

Try it on your phone — a real, hand-built simulation of the Member App below. Nothing you do here touches a real account. It opens where you would be after signing in. Watch this flow for the whole path to the screen this article is about, or tap through it yourself.

In the app

Test on your own phone

Scan the QR code and see a demo on your own phone

Or by USSD — no smartphone needed

Test on your own phone

Summary

Check what you still owe on each loan, and repay a loan from the member app. About 3 minutes · 6 steps. Also called: my loans, loan balance, repay loan, pay loan.

Prerequisites

You can sign in — see How to sign in to the member app.
A way to pay, usually your mobile money, if you want to repay today.

Step-by-step

Open the member app and sign in — see How to sign in to the member app.
Under My Savings and Credits, tap your SACCO to open it.
Under My Loans, tap See Details. Your loans open, one card for each loan.
Use the tabs — All, Pending and Rejected — to find the loan. An application still waiting for a decision sits under Pending.
Read the card: loan amount, total outstanding, start and due dates, and status, for example disbursed or over due.
Tap Pay Now on that loan and follow the prompt to finish paying.

Note: The outstanding amount shows as DR — everything you still owe: the loan amount, the interest and any charges together.

Common pitfalls & FAQ

What do the statuses mean? Disbursed means the money was paid out and repayments are due. Over due means the due date has passed and the loan isn't fully paid. Pay as soon as you can, and talk to your SACCO if you can't.
The loan amount dropped by less than I paid. Each payment is split across the loan amount, the interest and the charges, so the loan amount alone falls by less than you paid.
I paid and nothing changed. Give it a few minutes and open My Loans again. If it's still wrong, contact your SACCO with the date and amount.
Nothing shows under My Loans. You may have no loan yet, or your membership may not be active for loan services. Your SACCO can check for you.

Back to course: Using the Member App