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Flexible and affordable financing to help you achieve your personal and business goals. Lending commenced on 1st August 2026.

Loan products

Kingdom Normal Loan

Personal Solutions for unrestricted long-term growth. Borrow up to three times your savings while maintaining saving discipline as you repay.

Rate
12% p.a. on reducing balance
Multiplier
Up to 3× your savings deposits
Maximum
Kes 5,000,000
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Lending rules at a glance

Loan eligibility is assessed primarily on the regularity of your monthly deposits — a deposit recorded in at least six of the last seven months.

The test measures regularity of saving, not the amount saved. A small but consistent monthly deposit demonstrates the discipline the Sacco requires. Meeting the standard qualifies you for consideration; final approval rests with the Credit Committee in line with the Sacco's credit policy.

Minimum deposit bands

  • Up to Kes 50,000

    Kes 500

  • Kes 50,001 – Kes 150,000

    Kes 1,200

  • Kes 150,001 and above

    0.625% of the loan amount, capped at Kes 10,000

Security hierarchy

  1. Member deposits
  2. Guarantors' deposits
  3. Salary undertakings
  4. Movable assets
  5. Land and immovable property
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