Our Loan Products

We have a variety of Tailor made Loan products geared to promote Member needs.

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Asset Finance Loan

All customers who have operated their account for 6 months and have dreams of Being Asset Owners. Assets Eg);Motorbike, Tractor, etc.

Qualify for Amounts up to Ksh 5,000,000 Subject to 30% Total Cost of the Asset.

Flexible Repayment period.

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Development Loan

Tailored for: All customers who have operated their account for 6 months and have dreams of undertaking Development Projects.

Qualify for Amounts up to Ksh 10,000,000 Subject to 3 times Savings Multiplier / Tangible Security.

Flexible Repayment period.

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School Fees Loan

Tailored for: All customers to cover for their Personal or Dependants Educational needs.

Qualify for Amounts up to Ksh 150,000 Subject to 3 times Savings Multiplier.

Flexible Repayment period.

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Emergency Loan

Tailored for: All customers to cover for their urgent Emergency needs (Unforeseen events)

Qualify for Amounts up to Ksh 50,000 Subject to 3 times Savings Multiplier.

Flexible Repayment period.

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Medical Loan

Tailored for: All customers to cover for their Health needs, Pay medical Bills.

Qualify for Amounts up to Ksh 80,000 Subject to 3 times Savings Multiplier.

Flexible Repayment period.

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Salary Advance Loan

Tailored for: Salaried Employees whose salaries are processed through FOSA.

Qualify for Amounts up to Ksh 60,000 Subject to 60% on Net Salary.

Flexible Repayment period.

Business Loans

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Bakisha Loan

Tailored for: Small scale Business vendors Eg)Mamamboga, Bodaboda, Kiosk owners.

Qualify for Amounts up to Ksh 20,000 after saving actively for 2 months.


Flexible Repayment period.

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Bakisha Plus Loan

Tailored for: Small scale Business vendors Eg)Mamamboga, Bodaboda, Kiosk owners.

Qualify for Amounts up to Ksh 50,000 if in need of Extra Funds after Bakisha Loan repayments.

Flexible Repayment period.

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Business Loan

All customers who have operated their account for 6 months and have dreams of Expanding their Businesses.

Qualify for Amounts up to Ksh 500,000 Subject to 3 times Savings Multiplier.


Flexible Repayment period.

Farmer Loans

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Farming Loan

Tailored for: Farmers to cater for their Crop production needs.

Qualify for Amounts up to Ksh 200,000 Subject to 3 times Savings Multiplier.

Flexible Repayment period.

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Transplanting Loan

Tailored for: Farmers who have Planted seedlings for the current crop Season.

Qualify for Amounts up to Maximum based on cost per acre. as determined by the BOD.

Flexible Repayment period.

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Harvesting Loan

Tailored for: Farmers during harvesting season to cater for their Harvesting expenses.

Qualify for Amounts up to Maximum Amount based on Cost per Acre.

Up to 12 Months Repayment period