Credit solutions
Loans
Flexible products for urgent needs, education, development, agriculture and business.
12 Months • 2% reducing balance
School Fees / Masomo Loan
Education-focused financing for school fee obligations.
View product →6 Months • 5–10% reducing balance
Emergency Loan
Support for urgent and unexpected needs.
View product →6 Months • 10% reducing balance
Instant Loan
Short-term funds for immediate needs.
View product →12 Months • 2% reducing balance
Development / Biashara Loan
Financing for productive development and business activity.
View product →Interactive tool
Loan Bracket Calculator
Estimate an indicative reducing-balance payment. Final eligibility, allocation and terms remain subject to SACCO policy and approval.
Estimated monthly payment
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Estimated total repayment
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Maximum loan allocation limit is 3 times your accumulated total member shares.
Additional credit lines
Agricultural & micro-business finance
The SACCO profile includes the following specialized credit lines:
Input Loans
Milk Loans
Livestock Loans
Irrigation Loans
Harvest Advance
Daily Micro-Business Loans
Boda Boda Loans
Table Banking Loans
Solar Loans
Smartphone Loans
BFF
Benevolent Fund
- Kshs. 50/month contribution.
- Kshs. 20,000 payout for the contributor/spouse.
- Kshs. 10,000 payout for children.
- Kshs. 100/month Risk Fund contribution.
Policy
Repayment rules
- Repayments commence within 1 month.
- Repayment is due by the 15th.
- Late payment penalty: Kshs. 30/day.