KivuMoKash Loan
These terms were last checked on 30 Jan 2026. Rates and amounts are not shown until they are checked again — ask the bank.
Provider NCBA Bank & MTN Rwanda Loan Amount Rwf 1,000 – Rwf 500,000 Term 30 Days Fee (Cost) 9% (Flat Facility Fee) Disbursement Instant (to Mobile Money wallet) Collateral None / Unsecured Flexible Repayment: Repay anytime within 30 days to increase your future credit limit. Auto-Renewal (Rollover): If you miss the 30-day deadline, the loan can be extended for another 30 days (additional fees apply). To qualify for a MoKash loan, you must: Be an active MTN Mobile Money subscriber for at least 6 months. Actively use MTN services (Voice, Data, and Mobile Money transactions). Have a positive repayment history with no non-performing loans at other financial institutions. Recommendation: Saving regularly on MoKash increases your chances of qualifying for a higher limit. How to Apply USSD Code: Dial *182*5# and select "Loans". ⚠️ Late Payment Consequences: Automatic Recovery: The bank reserves the right to automatically deduct the owing amount from your MoKash Savings or MTN Mobile Money wallet without prior notice. Credit Limit Reduction: Day 63: If overdue by 63 days, your credit limit is reduced to 80% of its value. Day 90: If overdue by 90 days, your limit is reduced to 0 (Zero). You must save to rebuild it. Service Restriction: If you repay a loan after 61 days of delay, you will be blocked from taking new loans for 1 month. Credit Bureau Listing: Defaulting customers are reported to the Credit Reference Bureau (CRB), which may affect your ability to get loans from other banks in Rwanda.
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Rates and terms are indicative and set by the provider. Confirm with the provider before you decide. Kivu is not a bank or an insurer and does not give financial advice.