Long-Term Loans

Big goals with flexible tenors (36–120 months): development, mortgage/off-plan, and special tiers.

Development Loan – Option 1

Reducing Balance

• Tenor: 48 months
• Rate: 1.08% per month

Eligibility & Requirements

• Active member in good standing
• Deposits / guarantors per policy
• Project quotation where applicable
• ID & KRA PIN

Development Loan – Option 2

Reducing Balance

• Tenor: 72 months
• Rate: 1.25% per month

Eligibility & Requirements

• Active member in good standing
• Deposits / guarantors per policy
• Project quotation where applicable
• ID & KRA PIN

Development Loan 1 Reloaded

Constant Reducing

• Tenor: 48 months
• Rate: 1.08% per month

Eligibility & Requirements

• Active member
• Deposits / guarantors per policy
• ID & KRA PIN

Development Loan 2 Reloaded

Constant Reducing

• Tenor: 72 months
• Rate: 1.25% per month

Eligibility & Requirements

• Active member
• Deposits / guarantors per policy
• ID & KRA PIN

Super Saver Loan

Constant Reducing

• Tenor: 84 months
• Rate: 1.30% per month

Eligibility & Requirements

• Minimum deposits: KES 500,000
• Active member; KYC updated
• Deposits / guarantors per policy

Super Shareholder Loan

Constant Reducing

• Tenor: 84 months
• Rate: 1.00% per month

Eligibility & Requirements

• Share capital of at least KES 100,000
• Active member; KYC updated
• Deposits / guarantors per policy

Platinum Loan

Constant Reducing

• Tenor: 84 months
• Rate: 1.20% per month

Eligibility & Requirements

• Can be taken alongside other SACCO loans
• Attach signed Commitment Letter with application
• Processing within ~14 days (complete docs)
• Commit to retain 100% of interest on deposits for loan period
• Standard KYC (ID & KRA PIN)

Senior Citizen Loan

Up to 90% of Deposits

• Tenor: 36 months
• Rate: 1.00% per month

Eligibility & Requirements

• Up to 90% of member deposits
• Deposits must be free from guarantorship
• Standard KYC (ID & KRA PIN)