Loan products

From a Ksh 1,000 top-up to Ksh 1,000,000 of asset financing. Save first, then borrow — your savings record is your credit record.

Before you look at the amounts

You qualify for a first loan after 4 consecutive months of saving.
Interest, fees and guarantor rules are set out in each product's schedule — the field officer walks you through them before you sign.
There is no online loan application yet. Apply through your field officer or at an office.
If a loan is not repaid, the Sacco can recover it from your savings and shares, then from your guarantors'. Borrow what the business can repay.

A small, short-term loan for urgent daily needs.

For urgent personal or business emergencies.

Spread school fees over the year instead of paying in one go.

First step up: stock, equipment or a small expansion.

A bigger step for a business that is already moving.

Improve or expand premises and operations.

Consolidate a strong business position.

Finance a vehicle, machine or other income-earning asset.

Loans are for members. Join, build 4 months of savings, then apply.