Mobile Loan application process

HOW TO BORROW VIA USSD

1. Dial: *816# 
2. Select: Option 7 – Loans 
3. Check Loan Limit: 
4. Choose Option 1: Check Loan Limit 
5. Once you know your loan limit, proceed to apply for the loan. 
6. Apply for a Loan: 
7. Choose Option 7 – Loans 
8. Choose Option 2: Apply for a Loan 
9. Select Option 1: Karibu M-Kash Loan 
10. Enter an amount within your limit 
11. Confirm the transaction 
12. Notification: You will receive an SMS confirming your loan application status.

HOW TO BORROW VIA THE AMREF SACCO APP

1. Log In: Open your AMREF SACCO app 
2. Select: Loans 
3. Choose: Apply Loan 
4. Select: Karibu M-Cash Loan 
5. Enter Amount: Specify the loan amount 
6. Click: Apply Loan