How to Repay an M-Shwari Loan
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M-Shwari is provided through NCBA and M-PESA. Repay through the M-Shwari loan service and check the resulting balance; sending money to an unrelated Paybill does not settle your loan.
Before paying
Check the amount outstanding and due date in your M-Shwari account. Have enough available money for the payment you intend to make. Check the current account information rather than relying on an old fee example.
Repayment steps
- Open your M-PESA menu and select Loans and Savings, then M-Shwari. Menu wording may vary by channel.
- Open Loan and check the balance if you do not know the amount due.
- Choose Pay Loan, select the available payment source and enter the amount. If paying from M-PESA, ensure that wallet has sufficient balance.
- Review the details and authorise through the official menu.
- Keep the confirmation and check the loan balance again to confirm that the payment was applied.
NCBA’s published key facts allow full or partial settlement. A partial payment does not mean the rest of the loan is cleared. Its stated standard repayment period is 30 days; use the due date and amount shown for your own loan.
If someone is helping you repay
Arrange for them to send you money through an appropriate transfer route, then make and verify the repayment in your own account. Do not give another person your PIN to access the loan menu.
Tip: Check the loan’s current charges and terms before borrowing. An old statement of a 7.5% fee alone leaves out tax and possible overdue costs. Do not assume a small payment automatically extends the due date.
The original image shows an older activation menu rather than current repayment screens.
