1. Loans are convenient and easy to get; with no hidden charges
2. All loans are processed based on member’s ability to repay (1/3 rule).
3. Loans are processed on Tuesdays and Thursdays on first come first served basis. All loans applications are required dully filled and accompanied with 2 recent pay slips a copy of ID and any other necessary attachments as is applicable.
4. When the appraisal and approval process is complete, payments are done through Cheques / M-Pesa which is convenient and allows members access their money faster.

 a) Normal loan

• New members can qualify for a loan after saving for 6 months.
• Up to 3 times a members shares
• Interest rate at 9.75% p.a on reducing balance
• Repayment period maximum 48 months

 b) Super normal loan

• New members can qualify for a loan after saving for 6 months.
• Up to 4 times a members shares
• Interest rate at 13% p.a. on reducing balance
• Repayment period maximum 48 months

c) Emergency loan

• New members can qualify for a loan after saving for 6 months.
• Up to 2 times a members shares
• Interest rate at 9.75% p.a. on reducing balance
• Repayment period maximum 24 months

d) Instant loan

• New members can qualify for a loan after saving for 6 months.
• Maximum amount Kshs. 50,000.00
• Interest rate at 10%
• Repayment period maximum 6 months

e) Okoa loan

• New members can qualify for a loan after saving for 6 months.
• Maximum amount Kshs. 10,000.00
• Interest rate at 10%
• Repayment period 2 months.

f) Asset financing

• New members can qualify for a loan after saving for 6 months.
• Maximum amount x2 shares
• Interest rate at 15%
• Repayment period 24months.
• This include: water tanks, laptops, iphones, ipads,cookwares,solars,jikos.

g) Top – up loan

• On Normal loans only
• Qualify after repayment upto half the outstanding balance
• Interest rate 9.75% p.a
• Repayment period 48 months
• Premature top-up attracts a 2.5% commission charged on the outstanding balance

h) Home Developmentloan

• New members can qualify for a loan after saving for 6 months.
• Up to 3 times a members shares
• Interest rate at 9.75% p.a on reducing balance
• Repayment period maximum 48 months

i. BunistaMobi Loan Facility

• The BunistaMobi Loan is a short-term mobile loan facility available to eligible Bunista SACCO members. More Information