Loan Products

Commercial loans

Commercial loans are given at 2.5% interest on reducing balance per month and repayments are allowed to be made quarterly, binary or monthly depending on the nature of business.

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Agriculture loans / Agribusiness loans

These loans are offered at an interest rate of 2.5% per month on reducing balance. The loan client is at liberty to apply for a grace period not exceeding 6 months depending on what the farmer deals in

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Home improvement loans

These are loans meant to improve our clients’ wellbeing and style of living in form of owning modern homes. Such loans are offered to people who want to construct and refurnish houses, purchase land, obtain descent beddings and chairs (happy family loans), install solar equipments, biogas, CCTV cameras and Water harvest loans (water tanks)

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Motorcycle (Boda Boda) & motor vehicle loans

These are loans offered to members mostly the youth with an objective of solving un employment whereby they are allowed to own motorcycles/ motorvehicles after making a small initial deposit

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School fees loans

These ones are given at an interest rate of 2.5% per month on reducing balance with a maximum period of one year (12 months)

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Kyappa loans

These are land title processing loans. These loans are offered at 2.5% per month on reducing balance for a period not exceeding 24 months. The SACCO has pre-qualified surveyors and this makes the cost of land title processing low

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Emergency loans

Are at rate of 1.25% per week on reducing balance and have a maximum repayment term of 02 months.

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Lending is based on stringent appraisal guidelines, credibility and capacity to repay as well as commensurate collateral.

We offer loans from UGX 100,000 to UGX 150,000,000. (For other qualifications are: loan share ratio of 1:20 share, charges including 1% insurance fee, 2% loan commitment fee and 2% compulsory savings refunded after loan full settlement)

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