Affordable loans at 12% per annum, from as little as KES 5,000 up to three times your savings. When your application is in order, your loan is paid out within one to two days.
Our loans
Reducing balance on new loans. Following a recent SACCO resolution, loans taken after August 2026 are charged interest on a reducing balance, so you pay interest only on the amount you still owe. Loans taken before then continue on their original terms.
Quick cash straight to your phone, whenever you need it.
Our main loan for your plans and projects, backed by your savings and guarantors.
Complete a loan application form and get your guarantors to sign it. The Credit Committee then verifies it and approves or declines it.
Keep learning on track for your children or yourself.
You can guarantee yourself with your own savings to get a School Fees Loan.
Timely help when the unexpected happens, such as medical bills or a bereavement.
Fill in a standing order for ease of repayment.
Empowering young members to pursue their aspirations.
For members aged 18–35 · 12% p.a.
Access extra funds on your existing loan to meet evolving financial needs.
Loan calculator
Enter your figures to see your estimated loan limit and monthly repayment. This is an estimate only; the office will confirm your final terms.
Requirements
A guarantor is a fellow member who pledges part of their savings to support your loan. This guarantor system is what keeps every member's savings secure. Tunawiri pamoja: we thrive together.
If a borrower doesn't repay, the outstanding amount may be recovered from the guarantors' savings, so only guarantee members you know and trust.
How to apply
Ask for a loan application form at the office or download it below.
Complete the form and obtain your guarantors' signatures.
Our Credit Committee verifies your application and approves or declines it.
If everything is in order, you receive your loan within one to two days.
Call us on +254 732 834878 or send a message. We'll help you choose the right loan.
