How to create loans in bulk

If you’re managing three kids and each one needs a loan — say, for a school trip, a new football, or saving up for Eid — creating them one at a time gets tedious fast. KiddyCash lets you run a single parent workflow that spawns multiple child loans in one pass. Here’s how to do it efficiently.

Before you start

Make sure each child already has an active wallet under your family profile and that you’ve gone through at least one individual loan before. If you haven’t, work through how to create a loan for a child first — bulk creation assumes you’re familiar with the individual flow.

Also worth reading: how chores connect to financial literacy for kids. If you’re tying loan repayments to chore completion (a popular setup in KiddyCash families), you’ll want that context before configuring repayment terms.

Steps to create loans in bulk

  1. Open the loan creation hub. Navigate directly to https://kiddy.cash/families/loan/create. This is the unified entry point for both single and bulk loan creation. You’ll see a toggle near the top of the form — switch it from Single child to Multiple children.

  2. Select the children who need loans. A list of all children in your family profile will appear. Tick the checkbox next to each child you want to include. You can select all or pick a subset — useful if only two of your four kids need a loan this cycle.

  3. Configure shared loan terms. Set the fields that apply to all selected children: loan amount (in KES if your family is on a Kenyan account), interest rate (KiddyCash supports zero-interest family loans or a small percentage to teach real-world borrowing), and repayment schedule. These will be applied uniformly across every child loan generated.

  4. Override terms per child where needed. After setting the shared defaults, expand the individual child cards. If your eldest gets a larger loan of KES 2,000 while the younger two get KES 500 each, adjust those amounts here without leaving the bulk flow. Due dates and repayment milestones can also differ per child.

  5. Attach repayment triggers (optional but recommended). You can link repayments to chore completions, allowance disbursements, or manual transfers. Why chores still matter in modern family life makes a strong case for tying the two together — and in KiddyCash, that connection is built directly into the loan configuration.

  6. Review the bulk summary. Before submitting, you’ll see a summary card showing each child’s name, loan amount, first repayment date, and total repayable. Double-check wallet balances — the app will flag any child whose wallet can’t receive the disbursement (usually a KYC gap or a frozen wallet).

  7. Confirm and disburse. Hit Create loans. KiddyCash generates a separate loan record for each child simultaneously. Each loan gets its own transaction code for tracking. You won’t need to confirm individually — one action covers all.

  8. Verify each loan was created. Use how to view a child loan to pull up individual loan records and confirm terms landed correctly. It’s worth checking at least one or two, especially when interest rates or repayment triggers differ across children.

A note on M-Pesa top-ups

If you’re funding the loans from an M-Pesa wallet rather than an existing KiddyCash balance, top up your family account before starting the bulk flow. The disbursement step will fail silently if funds are insufficient mid-process, and you’ll need to manually disburse to the affected children afterward.