MCo-op Cash Flexi Cash Salary Advance Now Requiring Users to Update Employer Details to access Loans

Mobile loans have become so popular in Kenya with several organizations offering various products with flexible payment periods and applicable interest/charges. One of my favorite loan facility has been Co-operative bank’s MCo-op Cash, at least until recently when users were now required to have their employer details recorded as well. According to a cheerful customer care representative I spoke to, this is essentially done to curtail those who default. But the big question I kept asking myself is if this will help Coop Bank by only allowing healthy loans or harm it as many customers will consider other providers instead of going through the hassle of adding their employer details.

Previously, as long as I didn’t have an outstanding loan, I could borrow as much as my month’s full salary and half, i.e. if I earn Ksh. 20,000 per month, I was eligible to borrow Ksh. 30,000 payable up to 3 Months. However, since their systems changed, I’ve been getting this message, “Dear customer, your loan application is unsuccessful because your employer details are not updated. Kindly call 0703027000 for assistance” whenever I apply for a Flexi Cash Salary Advance loan.

As their slogan clearly says “Get a short term loan to see you through your next pay day!”, this was one product that really helped me when short of cash to push through pay day. In fact, I could borrow quite a lot compared to the likes of M-shwari and KCB-MPESA which requires users to build a reputation first while increasing loan limits at the same time.

Below are the ample features that I used to enjoy on Mco-op cash flexi cash salary advance;

  • Borrow from Ksh 3,000 to a maximum of Ksh 100,000.
  • Loan repayment was done within 1 to 3 months
  • No security needed
  • Instant processing

No facilitation fee, if you apply via MCo-op Cash


  1. Hi,am kelvin kemboi working at sarit centre as a BM security officer earnings Ksh 15000 per month but have tried to request Ksh 20,000 a 3 month flexi loan but my maximum limit is Ksh 7991. why so and I thought its one and half amount you earn a loan should be?

  2. It’s sad the office and nobody is receiving the phone let me know this so that ichange the bank because I can’t be treated like anew person and yet I have been with this bank for 20yrs

  3. Hi Coop i have been receiving my salary through coop Bank till now i tried to borrow a flexi loan since my salary hasn’t stopped flowing but in vain please check on your royal customers, the loans used to help us alot. Thank you

  4. Hi coop I have requested salary top up loan and approved to mcoop cash and sent sh.1000 to my other phone number,when I checked my mpesa account there’s no money when I come back to check my mcoop cash to check balance there’s no money again ,,,,, there’s no money in mcoop and in m-pesa what happen?

  5. Hi..I applied for a flexi salary advance,after you deducting from my salary,now i don’t qualify,i receive a message that ‘your qualification amount is below the minimum amount allowed’,,have tried like 5days and it keeps saying that,am just disappointed

  6. Hi i am customer with you since 2017. I took a 3 months salary advance of kshs 18,000 whose monthly diductions could be ksh 6000. But instead they diduct kshs 10,000. What could be the problem? Please assist me, nimefilisika!


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