MTN CI MoMo Kash review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

MTN CI MoMo Kash suits adults in Côte d'Ivoire who need a small personal or payday loan straight to their mobile money wallet. The trade-off is speed against a variable rate, with borrowing capped at XOF 2,000 to XOF 100,000 and repayment over 1.

Key facts

Best for
A small, short-term loan paid into an MTN Mobile Money wallet in Côte d'Ivoire.
Loan amount
F CFA 2,000 to F CFA 100,000 (Source, checked September 26, 2026)
Term
1 month (Source, checked September 26, 2026)
Arrangement fee
Commission charged on the loan amount and deducted at disbursement, plus 500 FCFA refinancing fee (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Instant, credited to the MTN Mobile Money wallet (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18 or older, MTN SIM, active MoMo account held for at least 6 months, identified (CNI, passport or consular card), first savings deposit of at least 3,600 FCFA (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Bridge Microfinance Côte d'Ivoire (Source, checked September 26, 2026)
Headquarters
Côte d'Ivoire (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
mtn.ci

Apps and profiles

Elsewhere
WikidataXLinkedInfr-fr.facebook.comyoutube.com

Pros and cons

Pros

  • Same day funding: Instant, credited to the MTN Mobile Money wallet is credited to the MTN Mobile Money wallet
  • Credit checks are soft prequalification, so a soft check comes before any hard one
  • Free early repayment lets you clear the balance early without a charge
  • Direct lender with support on chat, phone and email

Cons

  • The rate is variable, so the cost of a longer balance can shift
  • A commission is charged on the loan amount and taken at disbursement, plus a refinancing fee
  • The only term offered runs 1, so there is no room to stretch a big balance out
MTN CI MoMo Kash

Ready to try MTN CI MoMo Kash?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults with an active MTN Mobile Money account and a valid identity document
  • People covering a short gap rather than funding a large purchase
  • Borrowers who can settle the balance inside a single month

Who should look elsewhere

  • Anyone needing a long repayment period, since the term is 1
  • Borrowers wanting a fixed rate, as this loan runs on a variable rate
  • Customers who prefer Cashspace ES or Monzo Flex, which set much larger minimum loan amounts

The company behind it

MoMo Kash is provided by Bridge Microfinance Côte d'Ivoire, a direct lender based in Côte d'Ivoire. The product launched in 2018 and runs alongside the MTN Mobile Money wallet it pays into. Anyone comparing lenders here should note it is a direct lender rather than a broker, and support runs on chat, phone and email, so help sits inside the mobile money account people already use.

How MTN CI MoMo Kash compares

Where MTN CI MoMo Kash is available

Available
Côte d'Ivoire

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow with MTN CI MoMo Kash?+

Loans run XOF 2,000 to XOF 100,000, which covers small personal and payday needs. The money is credited to the MTN Mobile Money wallet, so you do not need a bank account to receive it. Larger balances are not offered on this product.

What fees will I pay?+

A commission is charged on the loan amount and deducted at disbursement, so it comes out of what reaches your wallet. A refinancing fee also applies. Check the amount that actually lands in your wallet before accepting the loan.

Does it run a credit check?+

The check is soft prequalification, which means a light check before any full application. That suits people with a limited credit file, though approval still depends on the lender's own checks. Budgets should treat a soft prequalification as a first step, not a decision.

How fast do I get the money?+

Funding is same day: Instant, credited to the MTN Mobile Money wallet is credited to the MTN Mobile Money wallet. It is a short bridge rather than a long arranged loan, and quick access does not make the total cost smaller if you keep the balance outstanding.

How long do I have to repay?+

The term is 1, so this is designed to be cleared quickly from a mobile money balance. If you cannot settle it inside that window, rollover costs add up. Free early repayment is available if you finish sooner than planned.

What rate do I pay?+

The rate is variable, so the cost depends on the conditions applying at the time. A variable rate means the amount you repay can move. That matters more here than usual, given the short 1 window and the commission taken at disbursement.

Who can apply?+

You need to be an adult, hold an MTN SIM with an active Mobile Money account kept for a waiting period, have an identity document, and make a first savings deposit. Borrowers with a limited credit history may still be considered, given the soft prequalification check.

Is it regulated and is my money protected?+

The lending is done by Bridge Microfinance Côte d'Ivoire in Côte d'Ivoire, and it is a direct lender rather than a marketplace. No deposit protection scheme is stated for the loan itself, so treat the wallet balance you use to repay as your own responsibility to keep safe.

Sources

  • mtn.ci/momo-kash checked September 26, 2026

    Backs: Credit check, Credit needed, Eligibility, Features, Founded, Funding time, Lender type, Loan types

  • mtn.ci/momo checked September 26, 2026

    Backs: Support channels

    “WhatsApp chatbot 05 66 133 133; Call centre 555; Email assistances.ci@mtn.com”

  • mtn.ci/momo/conditions-generales-momo-kash-particulier checked September 26, 2026

    Backs: Loan amount, Free early repayment, Headquarters, Legal entity, Arrangement fee, Rate type, Term

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

MTN CI MoMo Kash

MTN CI MoMo Kash

A small, short-term loan paid into an MTN Mobile Money wallet in Côte d'Ivoire.

9.0/10See alternatives

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