InfrastructureSalary AdvancesOverdraftContact

Interest-free. Same day.

KSh 10,000

Advance limit

Under 1 min

M-Pesa disbursement

Month-end

Automatic repayment

USSD

Any handset

Salary on the phone. Not at a branch.

Employers opt in. Staff dial *658*3# or request online. Funds land on M-Pesa the same day, interest-free, repaid from payroll at month-end.

The path on a handset

Four moves. Same flow for every employee once the employer is live.

Employer opts in

Partnerships run through payroll check-off. The company never operates a lending desk. Mkash does the rest.

  • Check-off
  • KYC with consent
  • Workforce-wide

Staff dial from the phone

Once the employer is live, employees request an advance on USSD (*658*3#) or online. No branch. No app store. Feature phones included.

  • One dial
  • USSD
  • Any handset

Funds hit M-Pesa

Approved advances land on M-Pesa in under 1 min. Interest-free. Same day. Up to KSh 10,000.

  • Same day
  • M-Pesa
  • Interest-free

Payroll clears it

Repayment is an automatic deduction at month-end. Staff see a salary. The facility stays in the background.

  • Month-end
  • Automatic
  • No collections theatre
Data & privacy

Ask your employer if Mkash is live.

Once they opt in, dial *658*3# or request online. Same path for every employee.