Normal Loan
Our core development loan for big personal goals.
- Interest
- 1% per month on reducing balance
- Limit
- Up to 4× your deposits, max KES 5,000,000
- Repay in
- Up to 48 months
Loan products
Loans made simple
Borrow up to 4 times your deposits at rates from 1% per month on a reducing balance. Compare products, estimate your repayments and apply.
Long Term Loan
Lower monthly repayments spread over up to 6 years.
- Interest
- 1.17% per month on reducing balance
- Limit
- Up to 4× your deposits, max KES 5,000,000
- Repay in
- Up to 72 months
Emergency Loan
Help when the unexpected happens.
- Interest
- 1% per month on reducing balance
- Limit
- Within entitlement (4× your deposits)
- Repay in
- Up to 18 months
School Fees Loan
Keep education on track, paid directly to the school.
- Interest
- 1% per month on reducing balance
- Limit
- Up to 4× your deposits, max KES 350,000
- Repay in
- 12 months
Log Book Loan
Finance a car or unlock value in your vehicle.
- Interest
- 1.5% per month on reducing balance
- Limit
- KES 1,000,000 or 4× deposits, whichever is lower
- Repay in
- Up to 48 months
Fanikisha Loan
Quick short-term cash, fast turnaround.
- Interest
- 2% per month on reducing balance
- Limit
- Up to 4× your savings, max KES 500,000
- Repay in
- 6 months
Saidika Loan
No guarantors — just your payslip.
- Interest
- 2% per month
- Limit
- Up to 4× your deposits, max KES 50,000
- Repay in
- 4 months
Zidisha Loan
Top up while you are still repaying.
- Interest
- 1.17% per month on reducing balance
- Limit
- 4× deposits, less 5% commission and outstanding balance; max KES 5,000,000
- Repay in
- Up to 72 months
Karibu Loan
A welcome loan for new members.
- Interest
- 1% per month
- Limit
- Up to KES 100,000
- Repay in
- Up to 12 months
Dividend Advance
Access your expected dividends early.
- Interest
- 5% one-off charge on the qualified amount
- Limit
- Based on your qualified dividend (minimum KES 1,000)
- Repay in
- Recovered from interest on deposits and dividends after the AGM
Side by side
Compare our loans
Most loans need you to keep at least one third (1/3) of your salary as net pay after all deductions.
| Loan | Interest | Maximum | Repayment | Security | Action |
|---|---|---|---|---|---|
| Normal Loan | 1% per month on reducing balance | Up to 4× your deposits, max KES 5,000,000 | Up to 48 months | Fully guaranteed | Details |
| Long Term Loan | 1.17% per month on reducing balance | Up to 4× your deposits, max KES 5,000,000 | Up to 72 months | Fully guaranteed | Details |
| Emergency Loan | 1% per month on reducing balance | Within entitlement (4× your deposits) | Up to 18 months | Fully guaranteed | Details |
| School Fees Loan | 1% per month on reducing balance | Up to 4× your deposits, max KES 350,000 | 12 months | Fully guaranteed | Details |
| Log Book Loan | 1.5% per month on reducing balance | KES 1,000,000 or 4× deposits, whichever is lower | Up to 48 months | Vehicle log book (joint registration with the SACCO) | Details |
| Fanikisha Loan | 2% per month on reducing balance | Up to 4× your savings, max KES 500,000 | 6 months | Guarantors / deposits as appraised | Details |
| Saidika Loan | 2% per month | Up to 4× your deposits, max KES 50,000 | 4 months | Your deposits — no guarantors needed | Details |
| Zidisha Loan | 1.17% per month on reducing balance | 4× deposits, less 5% commission and outstanding balance; max KES 5,000,000 | Up to 72 months | Fully guaranteed | Details |
| Karibu Loan | 1% per month | Up to KES 100,000 | Up to 12 months | Fully guaranteed | Details |
| Dividend Advance | 5% one-off charge on the qualified amount | Based on your qualified dividend (minimum KES 1,000) | Recovered from interest on deposits and dividends after the AGM | Your expected dividends | Details |
Plan ahead
Loan repayment calculator
Get an estimate of your monthly repayment. Interest is calculated on a reducing balance.
This is an estimate only. Your actual entitlement depends on your deposits, repayment capacity and SACCO policy. Log in to the Member Portal or contact us for exact figures.