Just before you submit that loan application, check the following:

  • Members who have saved for three months or more.
  • Members who tranfer their deposits from other Saccos will be deemed as a continuing member.
  • Fully completed loan application form.
  • The applicant signature MUST be witnessed by a member of the Sacco.
  • Minimum three guarantors who must be active members.
  • Provide Guarantors’ and/ Collateral equal to or more than the loan applied for.
  • Employer MUST sign and rubberstamp the application form.
  • A most current pay slip certified by the applicant’s employer’s payroll officer, MUST be attached to the application
  • KRA Pin certificate and a copy of an acceptable form of identification (National ID/Valid Passport) MUST be attached to the application.
  • All loans should not exceed three times of the deposits (with exception of Motor Vehicle & Machinery and Instant loans).
  • All loans are insured against death and permanent. The premium is paid from the loan applied.
  • Maximum loan ceiling is Kshs: 15,000,000.
  • All deductions should not exceed 2/3 of gross salary.

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Woodlands road, Opposite IFRC
P.o Box 10454 00100
Nairobi, Kenya
Tel 254 020 2733601/3
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