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Enhanced Features:

  • This is a FOSA salary-based product.
  • It is applied via M-Ndege service-*882#
  • Maximum loan amount- Depends on one's pay slip.
  • Minimum loan amount- Depends on one's pay slip..
  • Repayment period- 4 Months.
  • Interest rate- 4% per month
  • No guarantors required
  • Recovered from mid-month advances/net salary.
  • Processed within 5 minutes of applying
  • Terms and conditions apply.


  • One must have been channeling salary through FOSA account for the past 3 months.

JUST IN... Online Jipange Loan application is now on. Members advised to ensure they are registered in the M-Ndege (M-Banking) platform