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SACCO Credit Product

Personal Loan - Main SACCO

Built for personal milestones and urgent family priorities

Apply in Member Portal Start the guided Member Portal application Talk to a Specialist Request a callback via Mobile Money phone
Member benefit

Fast digital approval

Fair credit scoring without favoritism and guided portal review.

Member benefit

Clear repayment rhythm

Repayment schedules and interest are shown upfront before acceptance.

Member benefit

Instant Mobile Money payout

Disbursed directly to M-Pesa, MTN Mobile Money, or Airtel Money.

Overview

About this product

Structured for SACCO members handling household goals, school fees, or emergency obligations with instant Mobile Money (M-Pesa/MTN/Airtel) payout.

Product profile

How it is structured

  • Repayment method: Flat Rate (Add-on Interest)
  • Repayment term window: 6-36 months
  • Up to 2 guarantor(s)
  • Up to 2 referee(s)
  • Disbursement & Repayment: Mobile Money (M-Pesa / MTN / Airtel)
Apply in Member Portal
Specific requirements

What to prepare before applying

  • Valid National ID (Kenya ID, Uganda NIN, or Tanzania NIDA)
  • Active Mobile Money phone number (M-Pesa, MTN, or Airtel)
  • Active SACCO membership and minimum share/savings contribution
  • Up to 2 fellow SACCO guarantor(s) may be required
  • Up to 2 referee(s) may be required
Application flow

Process at a glance

  1. Select this loan product and confirm your borrowing amount
  2. Complete digital guarantor consent and attach required documents
  3. Submit through the Member Portal for automated credit scoring
  4. Receive instant Mobile Money payout and SMS confirmation
East African Callback Desk

Ask about Personal Loan - Main SACCO

Share your Kenya (+254), Uganda (+256), or Tanzania (+255) phone number and our specialist team will call you.