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MoMo Kash review

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

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Our verdict

MoMo Kash suits MTN Cameroon customers who want a small short-term balance straight into their mobile money account, and it suits nobody planning a larger or longer purchase. Borrowing tops out at up to XAF 100,000 at a fixed rate, with an APR of 7.5% to 15%.

Key facts

Best for
Small, short-term top ups for MTN Cameroon mobile money customers.
APR
7.5% to 15%↗
Loan amount
up to FCFA 100,000↗
Term
0.5 to 1 month↗
Funding time
Instant credit to the MoMo account when the loan is requested via *126#↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
Yes↗
Eligibility
MTN SIM card, active MoMo account, more than 6 months of MoMo activity, over 18 years old, identified SIM card with MoMo activated (ID card / passport / consular card)↗
Loan types
Payday, Personal↗
Legal entity
MTNC (MTN Cameroon)↗
Headquarters
Cameroon↗
Founded
1994↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
mtn.cm

Savings

Headline rate
7.5% to 15%↗
Access terms
Subscribe and request via *126# option 6 then MoMoKash; needs identified MTN SIM, active MoMo account, 6 months of activity, 18+; repay over 15 or 30 days with auto-debit from day 16↗
Monthly fee
FCFA 300 to FCFA 500↗
Account kind
Fixed↗

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
XLinkedIn

Pros and cons

Pros

  • The rate is fixed at an APR of 7.5% to 15%, under the payday median of 36.5% on the site.
  • Money lands in the mobile money account the moment a request goes through, and 90.2% of payday lenders here fund the same way.
  • Early repayment is free, in line with 86.8% of payday lenders on the site.

Cons

  • Loans run for 0.5 to 1, so a bigger expense has to be funded somewhere else.
  • The fixed account carries a monthly fee of XAF 300 to XAF 500 on top of a small loan.
  • You need a waiting period of activity on the wallet, an identified SIM and a minimum age before a request is accepted.
MoMo Kash

Ready to try MoMo Kash?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • MTN Cameroon customers with an active, identified mobile money account, since the credit lands in that wallet.
  • Anyone who needs a small balance within days rather than a planned purchase.
  • People who expect to clear the balance early, as early repayment is free.

Who should look elsewhere

  • Not for a longer repayment schedule: Sofkredit charges 10.74% to 18.06% on loans spread over longer terms.
  • Not for a larger euro loan: Creduma ES deals in amounts of from €12,000.
  • Not for shopping across lenders in another market: Cashspace quotes rates of PHP 12 to PHP 36.

Who runs it

MoMo Kash is provided by MTNC (MTN Cameroon), a company based in Cameroon. The group was founded in 1994, so it is an established operator rather than a new entrant. Help is available through email, phone and help centre, giving you phone, email and help centre routes. You deal with MTNC (MTN Cameroon) as the party named in the subscriber terms.

How MoMo Kash compares

Where MoMo Kash is available

Available
Cameroon

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

Frequently asked questions

What does MoMo Kash cost?+

Costs are a monthly fee of XAF 300 to XAF 500 on the fixed account, plus the interest on the loan. The rate is fixed and the APR runs 7.5% to 15%, so the amount you pay does not change while the loan is open.

How much can I borrow, and for how long?+

Borrowing tops out at up to XAF 100,000 and loans run for 0.5 to 1, so this is a short balance rather than a planned purchase. Repayment is taken by automatic direct debit from the same mobile money account after a short waiting period.

Who can apply?+

You need an MTN SIM with mobile money active and identified, a minimum age, and a waiting period of activity on the account before you can ask. You subscribe to the service first, then request, and the balance is collected by direct debit over 0.5 to 1.

How quickly do I get the money?+

Instant. The credit is paid straight into your mobile money account as soon as the request goes through, the same way 90.2% of payday lenders on the site operate. Nothing has to be signed in a branch.

Can I repay early without a charge?+

Early repayment is free, which lines up with 86.8% of payday lenders here. You can settle before the automatic debit date, and the fixed rate means the amount does not move, so clearing early costs no more.

Who do I deal with, and can I get help?+

The provider is MTNC (MTN Cameroon), based in Cameroon, and help is available through email, phone and help centre. Phone support is offered by 76% of payday lenders on the site, so a question about a repayment can be handled directly.

How does this compare with other lenders?+

Sofkredit charges 10.74% to 18.06%, Cashspace quotes PHP 12 to PHP 36 and Creduma ES deals in amounts of from €12,000. MoMo Kash is built for a single market, with borrowing capped at up to XAF 100,000 inside a mobile money account, so it does a different job from an online lender.

Sources

  • en.wikipedia.org/wiki/MTN_Group checked September 26, 2026

    Backs: Founded

    “The company was founded in 1994 as M-Cell”

  • mtn.cm/helppersonal/momokash checked September 26, 2026

    Backs: Access terms, Account kind, Loan amount, APR, Eligibility, Features, Free early repayment, Funding time, Headline rate, Headquarters, Lender type, Loan types, Pricing model, Monthly fee, Rate type, Support channels, Term

    “Dial *126# - Choose option 6 for loans - Select MoMoKash - Enter your PIN to subscribe”

  • mtn.cm/subscriber-terms-and-conditions checked September 26, 2026

    Backs: Legal entity

    “the service offered by MTNC”

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

Not confirmed yet: Arrangement fee, Credit check, Representative example.

MoMo Kash

MoMo Kash

Small, short-term top ups for MTN Cameroon mobile money customers.

8.9/10See alternatives