Borrow flexibly
Borrow any amount from your personal phone line of credit with SOT App
No usage, no interest
Interest rates are applied only on the amount you borrow and not your entire approved limit.
Safe & Secure
We work ONLY with regulated financial institutions in Kenya and we have our own Servers as well.
About Us
Get Instant Cash Now
No long queues. No bulky documents. No long wait times. Just your smartphone and SOT App.
Apply online with 3 easy steps and get instant loan approval with minimum documentation.
- Download the SOT app on Android or iOS
- Fill in your details
- Get approved within minutes
SOT App is Kenya’s first and most trusted app-based credit line loan. More than 10 thousand people have downloaded the SOT app.
Experience quick, easy, and hassle-free digital loan approval with SOT new generation Personal Loan 2.0 and get your loan approved within minutes!
