How to check a loan’s repayment progress
When you give a child a loan through KiddyCash — for example, advancing them KES 500 to cover a school trip in Nairobi before their next allowance — you can track exactly how much they have repaid and how much they still owe. This article walks you through every step.
What “repayment progress” means
A loan in KiddyCash is money you advance to a child from your wallet. Repayment happens automatically when the child’s wallet receives funds (such as an allowance, M-Pesa top-up, or a badge reward). The repayment progress shows:
| Term | What it means |
|---|---|
| Principal | The original amount you lent the child |
| Amount repaid | How much has already been deducted from their wallet toward the loan |
| Outstanding balance | What the child still owes — principal minus amount repaid |
| Repayment rate | The percentage of the loan cleared so far |
Before you start
- You must be a parent or guardian on the family account.
- A loan must already exist. If you need to create one first or review its basic details, see how to view a child loan.
- You will need the loan ID — a short reference code visible on the loan list screen.
Steps to check repayment progress
-
Open the KiddyCash app and sign in with your parent account credentials.
-
Go to your family’s loan overview. Tap Family in the bottom navigation bar, then select Loans from the menu. You will see a list of all active and completed loans for your children.
-
Identify the loan you want to check. Each loan card shows the child’s name, the original loan amount, and a short loan ID (for example,
LN-00482). -
Open the loan detail page. Tap the loan card. This takes you directly to the loan detail screen. You can also navigate there directly in your browser using the link format:
👉
https://kiddy.cash/family/loans/{loanId}— replace{loanId}with the actual loan ID shown on the card (for example,https://kiddy.cash/family/loans/LN-00482). -
Read the repayment summary. At the top of the detail page you will see four figures: Principal, Amount Repaid, Outstanding Balance, and Repayment Rate (shown as a progress bar and a percentage).
-
Scroll down to view the repayment history. Each repayment event is listed with a date, the amount deducted, the source (for example, weekly allowance or M-Pesa deposit), and the remaining balance after that payment.
-
Check the loan status. The status badge will show one of the following:
Status Meaning Active Repayments are ongoing Completed The full amount has been repaid Overdue No repayment activity within the agreed period
What your child sees
Your child has a read-only view of their own loans inside the KiddyCash app. If they ask where to find it, point them to the guide on how a child checks the loan list — it walks them through their own screen step by step.
Tips
- Repayments are deducted in the order loans were created (oldest loan first), unless you change the repayment priority in loan settings.
- If the outstanding balance has not moved, check that the child’s wallet is receiving funds. A wallet with a zero balance cannot make automatic repayments.
- All amounts are displayed in KES by default on Kenyan accounts.