Travel Now, Pay Later
Dreaming of your next adventure? With our Travel Now Pay Later (TNPL) service, powered by Spotit, you can book unforgettable holidays and enjoy flexible payments. Exclusively available to I&M Bank and Little Sacco users.
Don't Sweat It
Here's your simple roadmap to smarter travel:
Access Your Mobile Banking App: Log in to your I&M OTG app or Little Sacco app. In I&M OTG, navigate to the short-term loans section. In Little Sacco, tap the "EDIT" icon to customize your quick links
Select the BNPL Option: Choose the "Buy Now Pay Later" (I&M OTG) or ''Get Now Pay Later" (Little Sacco) icon to add it to your quick links or access it directly on your screen
Check Your Loan Limit: Your pre-approved loan limit will be displayed. Tap "Apply for Loan" (I&M OTG) or "Apply Now" (Little Sacco) to proceed with using it for your purchase
Explore and Book with Vacay: Reach out to Vacay to browse travel packages, select your preferred option, and confirm your booking. Vacay will provide you with a unique purchase code via SMS
Enter Purchase Details in the App: Back in your app, input the merchant/partner details (e.g., Vacay) and the purchase code received from the SMS
Confirm and Complete the Loan: Verify the item (your travel package), loan amount, and retail/merchant details. Select your preferred payment period, accept the Terms & Conditions (T&Cs), and enter your PIN to finalize the transaction
Receive Confirmation from Vacay: Once the loan is approved, Vacay will process your booking and share all necessary travel documents with you
Enjoy Your Holiday and Pay in Installments: Head off on your vacation worry-free! Continue making easy installment payments to your financier (I&M or Little Sacco) as per the agreed schedule