Okoa Credo

Access airtime anytime anywhere

What is Okoa Credo?

This service will involve borrowing of airtime via our short code system (20994).


  • Access airtime (Okoa Credo) anytime.
  • Affordable charge.
  • Repayment period up to one week.


  • Minimum savings account balance should be Ksh 1,000.
  • Must have paid previous airtime credit.
  • Active Okoa Finance member.


  • Send an SMS with the word Okoa to 20994 and follow the instructions.
  • Repayment should be done through our Mpesa bill 800386 putting SV as account when making the payment.

Register through your mobile phone