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SACCO Services · Loans

Borrow with confidence.

Our member loans are designed around real needs — from growing a business to paying school fees — with guidance from people who understand your goals.

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Loan options for personal and business needs

Every loan is tailored to your savings and repayment ability. Speak to our team to find the right fit.

Development loans
Finance long-term projects such as building, land or major household investments.
Business loans
Stock up, expand or improve your business with financing that grows with you.
School fees loans
Keep education on track with support for school and college fees.
Emergency loans
Quick support when the unexpected happens, so you can focus on what matters.
Medical loans
Help with medical bills for you and your family when you need it most.
Agri-business loans
Support for farming inputs, equipment and agricultural ventures.

What you'll need to apply

Requirements vary by loan type, but most applications include the following. Our team will guide you through the details.

  • Active SACCO membership with a record of regular savings.
  • A completed loan application form.
  • Guarantors from among fellow members, where required.
  • Supporting documents such as ID and proof of income or business activity.
A SACCO officer walking members through loan documents

How borrowing works

  1. 01

    Save consistently

    Build your deposits — they determine how much you can borrow.

  2. 02

    Choose a loan

    Talk to us about your needs and pick the right loan product.

  3. 03

    Apply

    Submit your application, guarantors and supporting documents.

  4. 04

    Receive & repay

    Once approved, receive your funds and repay in agreed instalments.

Loan terms, limits and rates depend on the product and your membership. Contact us for current details.

Have a goal in mind?

Talk to us about the loan options available to members.

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