Repaying a loan does not automatically qualify you for a new one.
Eligibility is determined by our partner banks, and it can change from time to time, even if you have made all your repayments on time.
What affects your eligibility
Partner banks consider several factors, including:
- Your loan usage and repayment behaviour
- Your account activity
- Your credit assessment
What you can do
- Wait for a qualification SMS: If you become eligible, you will receive an SMS notifying you.
- Check back later: Eligibility is reviewed regularly, so you may qualify at a later date.
- Keep using MoMo and other MTN services: Regular activity on your account can improve your chances of qualifying again.