Looking to improve your business or personal well-being? The Normal Loan is designed to help our members achieve their financial goals with ease and flexibility.

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• Product Features:

  • Spread your payments over a maximum of 60 months (5 years).
  • Interest rate 1% per month on reducing balance.
  • Loan applications are reviewed monthly by our Credit Committee.
  • Funds are disbursed to applicants in the order received.
  • Eligible amount is 4 times your savings deposit, up to 2/3^rd of your gross salary.
  • This loan can be bridged for added convenience.

  Whether you’re growing a business or enhancing your quality of life, the Normal Loan is here to support you every step of the way.

The Boresha Loan is your gateway to long-term financial success. Whether you're consolidating existing loans or seeking additional funds, this loan is crafted to help you achieve your financial goals with ease.

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Product Features:

• Maximum repayment period of up to 84 months (7 years), offering long-term financial relief.
• Interest at 1.29% per month on a reducing balance.
• Borrow up to 4 times your savings deposit, with a cap of 2/3^rd of your gross salary.
• Option to top-up (loan bridging) or amalgamate other loans to organize payments while still enjoying a take-home amount.
• Approved by the Credit Committee once a month, with disbursement on a first-come, first-served basis.

Take advantage of the Boresha Loan to simplify your finances and plan with confidence.

The Super Loan offers the ultimate flexibility and support for members seeking substantial financing. Whether you're looking to refinance, consolidate other loans, or secure extra funds, this loan has you covered.

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Product Features:

• Repayment period of up to 72 months (6 years) for manageable, long-term planning.
• Interest rate of 1.25% per month on a reducing balance.
• The loan can be refinanced anytime or used to amalgamate existing loans while still giving you a net take-home amount.
• Approved once per month by the Credit Committee, with first-come, first-served disbursement.

Features:

• Maximum loan amount is up to x4 of deposit but subject to:
  • two-third of salary and,
  • 80% or 50% of the mortgage value of commercial land/building, residential property or agricultural land respectively. 
• Repayable within a maximum period of 84 months (7 years)
• 1.05% interest per month on reducing balance.
• The loan can be bridged (top-up) or used for amalgamating other loans at 5% of outstanding loan(s) balance(s).
• Loan is guaranteed through commercial land/building, residential property or agricultural land title deed.
• Search is conducted on the property being offered as security, valuation of asset is done and then the asset is charged. All charges are paid by the member.
• Approved once per month by the Credit Committee. Disbursed on a first come first served basis.

  Download Loan Form 

The Special Loan is tailored to help you organize your financial commitments by consolidating your existing loans at no additional cost.

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Product Features:

• Designed for amalgamating loans with no amalgamation fee.
• Interest rate of 1.21% per month on a reducing balance.
• No cash take-home this loan is for organizing your payslip by consolidating all your loans into one.
• Eligible amount based on a multiplier of 4 times your deposit, subject to the 2/3^rd gross salary rule.
• Disbursed on a first-come, first-served basis to help you quickly organize your finances.

This loan is meant to assist you to cater for your academic needs.

School fees loan is repayable within a maximum period of 24 months (2 years) at 1% interest per month on reducing balance.

Applications must include fees structures. Granted on demand.

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The Emergency Loan is designed for urgent financial needs, providing you with swift support in times of crisis.

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Product Features:

• Repayment period of up to 12 months (1 year).
• Interest rate of 1% per month on a reducing balance.
• Option to bridge the loan for additional flexibility.
• Eligible amount is subject to checks on 2/3^rd of your gross salary.

Get the immediate assistance you need with the Emergency Loan your reliable solution in unexpected situations!

Need immediate financial assistance? The Insta Loan is designed for members who require fast access to funds without the hassle of limits.

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Product Features:

• Repayment period of up to 24 months (2 years) for a straightforward repayment process.
• Competitive interest rate of 1.17% per month on a reducing balance.
• No maximum limit on the loan amount, providing you with the flexibility to borrow what you need.

Get the financial support you need when you need it most with the Insta Loan!

For those seeking a bit more flexibility, the Insta Plus offers quick access to funds with the added benefit of an extended repayment period.

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Product Features:

• Repayment period of up to 36 months (3 years), allowing for manageable payments.
• Interest rate of 1.21% per month on a reducing balance.
• No maximum limit on the loan amount, giving you the freedom to borrow as needed.

Product Features

• Maximum amount for the product is Kes. 500,000.
  
• The maximum repayment period is 24 months.
• The interest rate is 1.2% per month on reducing balance.
• Eligibility is calculated based on half of the net salary.
• The loan can be bridged.
• The loan is exempted from the deposit multiplier.

Download Loan Form

Maximum amount for the product is Kes. 150,000. The maximum repayment period is 4 months. Interest is payable on a flat rate of 10% on the amount loaned. Network charges are borne by the applicant. Product can be accessed via Xmobi Customer app (available on Google play store) and/or by dialing *882#. Payment is done via m-pesa. A member must have his/her phone number registered first in the SACCO system.

Are you a new member of the SACCO? Unlock financial support with the Karibu Loan! This loan is specifically designed for members who’ve been with us for less than 6 months and have saved for at least 2 months.

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Product Features

• Borrow up to Kes. 50,000 to meet your immediate financial needs.
• Repayment period of a maximum of 10 months.
• Interest at a flat rate of 10%.
• Loan security through guarantors.

Product features

• The loan is repayable within a maximum period of 48 months (4 years)
• Interest rate of 1.2% per month on a reducing balance.
• The maximum loan amount is Ksh. 3,600,000.
• The security for the loan is 70% of the forced valuation value of the vehicle, which MUST have a maximum age of 8 years.
• Loan disbursements are made directly to the car vendor,
• The loan is exempt from the deposit multiplier.
• Applicable to personal vehicles only (not for commercial use).

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This new product is to assist members in paying insurance premiums for their vehicles. The maximum amount is determined by the lesser of the repayment ability or the insurance premium.

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Product features:

• The repayment period is 12 months,
• Interest rate of 1% per month on a reducing balance.
• Eligibility is based on half of the net salary.
• Repayments can be made via checkoff or standing order,
• Loan can be bridged.
• Loan disbursements are made directly to the insurance company, and the loan is exempt from the deposit multiplier.