Our Loan Products
Affordable loans designed for Kenya's enterprises.
Borrow up to 3× your savings at 1% per month on a reducing balance. From business expansion to school fees and emergencies — we have a loan product for every need.
01 / Loan Product
Business Loan
Finance business operations, acquire equipment, assets, property and other development projects.
Maximum Amount
Up to 3× member's savings
Interest
1% p.m. on reducing balance
Repayment Period
Up to 60 months
Security
Guarantors
Eligibility
Active members
02 / Loan Product
School Fees Loan
Caters for primary and secondary school fees. Fee structure must be attached.
Maximum Amount
Up to 3× member's savings
Interest
1% p.m. on reducing balance
Repayment Period
Up to 12 months
Security
Guarantors
Eligibility
Active members
03 / Loan Product
Merchandise Loan
Offered in partnership with merchants for appliances and merchandise. Loan paid directly to the merchant.
Maximum Amount
As per quote, within 3× savings
Interest
1% p.m. on reducing balance
Repayment Period
Up to 12 months
Security
Guarantors
Eligibility
Active members
04 / Loan Product
Emergency Loan
Quick-access funding. Loans of KSh 50,000 and below require no supporting documents; above requires proof.
Maximum Amount
Up to 3× member's savings
Interest
1% p.m. on reducing balance
Repayment Period
Up to 12 months
Security
Guarantors
Eligibility
Active members
05 / Loan Product
Salary Advance Loan
For employed members on check-off system only. No guarantors required.
Maximum Amount
Up to net salary limit
Interest
3% fixed (one-off)
Repayment Period
1 month
Security
Check-off only
Eligibility
Employed members
Loan Security
Accepted forms of security.
- Three guarantors required for loans above KSh 100,000.
- One guarantor acceptable for loans of KSh 100,000 and below subject to savings.
- Self-guarantee allowed if loan amount is within member's savings.
- Only ACTIVE members can guarantee loans.
Other Lending Conditions
What you need to know.
- Save for at least 6 monthsRequired to qualify for any loan.
- Processing fee 1%Min KSh 500, max KSh 10,000 (incl. excise duty).
- Loan insurance KSh 0.30 / 1,000 / monthCovers death or permanent disability.
- Repayment abilityDetermined via payslip, bank statement and M-Pesa statement.
Estimate your repayments.
Use our loan calculator to see monthly and total repayments, plus processing fee and loan insurance.