S SonkoLend
Get a loan

Group-backed microcredit for Kenyan chamas

A loan backed by your chama
Fast.

Borrow with your chama's backing. Disbursed straight to M-Pesa in under 6 hours, with full pricing shown before you sign.

Apply now → How it works
★ Clear pricing before you sign M-PESA Daraja partner ✓ No CRB listing for < 30 days late

Sample disbursement

KES 20,000

M-PESA
Origination fee (4%)KES 800
Interest (30 days flat)KES 600
Tenor30 days
Chama cover25% of pool
Total repayable KES 21,400

APR 28.0% — full pricing shown before you sign.

🔒 The chairperson of your chama must approve the request before SonkoLend disburses.

200+

Chamas onboarded

12,000+

Members served

KES 240M+

Disbursed

6 hrs

Median time to cash

Loan products

Built for the way chamas actually borrow

Short tenors, transparent pricing, and a repayment schedule you'll see before signing.

🛒

Stock-up loan

For market traders restocking ahead of demand spikes.

Amount
KES 2k – 50k
Tenor
7 – 60 days
Fee model
Flat
Apply now →
🚑

Emergency loan

Fast-track approval for hospital, bereavement, or urgent fees.

Amount
KES 1k – 20k
Tenor
7 – 30 days
Fee model
Simple fee
Apply now →
Most popular
🎓

School-fees loan

Cover term fees with a longer tenor and a declining balance.

Amount
KES 5k – 80k
Tenor
30 – 120 days
Fee model
Declining bal.
Apply now →

How it works

Three steps. Two approvals. One disbursement.

1

Apply

Choose a product, enter the amount, and see your repayment schedule before you submit.

2

Chama approves

Your chairperson sees your request, your repayment history, and approves with one tap.

3

Get cash

SonkoLend underwrites, then disburses straight to your M-Pesa — typically same-day.

Are you a chama chairperson?

Onboard your chama in 30 minutes.

You stay in control: every member loan needs your approval first, and you'll see headroom against your pledged balance in real time.

  • ✓ Two-key approval — neither party can disburse alone.
  • ✓ Group funds stay in your existing M-Pesa or bank account.
  • ✓ No contact-list scraping, no shaming, no 6am calls.
Register your chama Sign in
WK

Wakulima Chama Sacco

22 members · Nairobi

Active

Pledged balance

KES 600,000

Headroom

67%

Active loans

8

PAR > 7

1.2%

Cash by this afternoon.

Apply in minutes, get your chama's nod, and receive funds straight to M-Pesa.

Apply now Register your chama