Sonko Mkopo Extra

Join millions of satisfied Sonko Mkopo Extra customers who have grown their businesses, paid for school fees, and managed expenses with peace of mind.

How simple is the process?
• Download the Sonko Mkopo Extra app
• Fill out our quick loan application in the Sonko Mkopo Extra mobile app
• Verify your identity through our secure system
• Get cash sent directly to your M-Pesa in an instant

How do I repay my loan?
• Repay your loan with M-PESA Xpress the phone number you sign up with
• You can pay in full or make partial payments, anytime on or before your due date
• Easy repayment schedule keeps you on track with your payments

The benefits of Sonko Mkopo Extra in-app features at your fingertips:
• Personal security PIN to ensure protection
• Track your credit with My Sonko Mkopo Extra Status
• Easy repayment schedule that keeps you on track with your payments
• Millions of Sonko Mkopo Extra customer success stories to inspire you on your journey

Have questions? check out our FAQs
Ready to get started? Download the Sonko Mkopo Extra app and apply for a loan today.

Privacy and permissions: When you download Sonko Mkopo Extra, we will ask to scan your M-Pesa SMS and other information in order to verify your identity, creditworthiness, and provide you the fastest loan in Kenya. We take privacy very seriously and your personal information will never be shared without your direct permission.


Terms and Conditions: Sonko Mkopo Extra charges a one-time service fee of 5-33%* of principal amount. Repayment schedules may vary and can be up to 90 days. There is no minimum payment period for repayment; customers may make payments towards their principal at any time following disbursement. A one-time late fee of 8% of principal amount and interest may be applied to loans past due. No other fees will be charged after this time. Additional terms and conditions apply.
*Effective APR: 85.17-231%. Sonko Mkopo Extra will never charge you more than the amount of your service fee (plus a one-time late fee if you do not pay by the due date). Fees do not compound or accrue.