Loan Features:

1. The maximum amount is Kshs 200,000.00.
2. Maximum repayment period is 18 months.
3. Interest will be at 15% per annun on reducing balance.
4. The loan shall be assessed three times the member's deposit in the Society.
5. A minimum of 6 guarantors is required to qualify for the loan.

Loan Features:

1. The maximum amount is Kshs 200,000.
2. Interest will be at 15% per annum on reducing balance.
3. Maximum repayment period is 24 months.
4. Minimum of 6 guarantors is required for this product.
5. The Loan shall be assessed three times the members deposit in the Society.

Loan Features:

1. The loan shall be assessed three times a member’s deposits in the Society.
2. Maximum repayment period for the loan is 48 months.
3. Interest will be charged at 12% per annum on reducing balance.
4. Minimum of 6 guarantors is required at loan application.

Loan Features:

1. Special Flex Loans will be issued to members who participate in the Special Flex Savings scheme.
2. Maximum special flex loan is three times a members deposits in the special flex scheme subject to ability to repay.
3. Minimum monthly special flex deposits contribution is at KES. 1,000.
4. Maximum repayment period is at 48 months.
5. Interest will be at 15% per annum on reducing balance.
6. Savings under the scheme shall not participate in the normal loan granting.
7. Minimum of six guarantors is required.

 Loan Features:

1. Members who are eligible for this loan are those who have Member's Deposits above KES.1,500,000.
2. The Loan shall be assessed four times the Member's Deposit in the Society.
3. Maximum repayment period is 96 months.
4. Interest is charged at 13.2% per annum.
5. Interest is on reducing balance.
6. Minimum of 6 guarantors is required.

This table will be applicable upon loan qualification.

Loan Features:

1. Karo Loans will be accessed by members who participate in the KARO Savings Scheme.
2. Maximum repayment period is 36 months.
3. Interest will be at 13.2% per annum on reducing balance.
4. The Loan shall be assessed four times the members KARO savings.
5. Minimum monthly KARO Shares contribution shall be Kshs. 1,000
6. Minimum of six guarantors is required.

Loan Features:

1. The Loan shall be assessed three times member's deposits in the Society.
2. Maximum Loan repayment period is 84 months.
3. The interest rate is 14% per annum on reducing balance.
4. Eligible to members with Normal Deposits of KES. 500,000 and above.
5. Minimum of 6 guarantors is required for this product.
6. A member who is granted a Fanisi Loan must commit to continue saving the set minimum monthly deposits depending on the amount of loan granted as tabled below while meeting the loan obligation.

A refinancing loan can help a member replace an existing debt under different terms. The features for this loan are as follows;

1. The loan has a repayment period of 36 months.
2. To qualify for this loan, a member should have member deposits.
3. Interest rate of 1.34% per month on reducing balance.
4. A minimum of 6 guarantors is required to qualify for the loan.
   
   
   

Loan Features:

1. The Loan shall be assessed three times Member's Deposits in the Society.
2. Maximum Loan repayment period is 108 months.
3. The interest rate is 14% per annum on reducing balance.
4. Eligible to members with Normal Deposits of KES. 1,000,000 and above.
5. Minimum of 6 guarantors is required for this product.
6. The Loan amount determines the shares to be contributed as per the schedule below:-

The Daraja Loan is a loan product for members under Daraja category and deposit a minimum of KES. 1,000 per month.

Loan Features:-

1. Member must be actively contributing deposits for six months.
2. Member should be earning KES. 30,000 and below to qualify.
3. Interest rate of 1.2% per month on reducing balance.
4. A minimum of 6 guarantors is required to qualify for the loan.
5. The loan has a flexible maximum repayment period of 24 months.
6. Assesed at two times your Deposits. (Daraja category)