To ensure safe spending practices, each new purchase is evaluated by our system to determine the approval. This takes into account many different factors including time of day, size of the purchase, and any history with Koko. The longer you have been using the in-app shopping feature and the more orders you have successfully repaid, the more likely you will be able to spend more. Restrictions are tighter for ‘new’ shoppers until we get to know you!
If you are new to Koko, we encourage you to make regular purchases so we can better understand your purchase and payment behavior. If you do not have a spending limit and are new to Koko, it could be due to inaccurate personal details, lack of document uploads, or app credit rules in place. Therefore, it is important to upload soft copies of the necessary documents to improve your eligibility.