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what happens if delay to pay KCB Mpesa loan

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If you repay your KCB Mpesa loan later than you are required, the consequences are that your loan limit will be lowed, you may not be able to access the KCB MPESA loan due to a previous late repayment and your name will be submitted to CRB for listing after 90 days of loan default.

You will also be fined for late payment.
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I was one late payment but i paid my loan,what would i do to be able again to get loan again.

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