Loan Centre

Loan solutions for your financial needs

Explore EPZA SACCO loan facilities, understand the applicable terms and eligibility requirements, and find the information you need before applying.

Member-focused credit facilities

Find a loan that fits your needs and repayment capacity.

Whether you are managing an unexpected expense, meeting education costs or planning a development project, explore the loan products available to eligible EPZA SACCO members.

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All facilities are subject to eligibility checks and the applicable SACCO terms and conditions.
Plan with clarity

Understand your options before you apply.

Review the loan amount, repayment period, interest information and requirements for each available facility.

Responsible borrowing starts with informed decisions.
About our loan facilities

Credit facilities designed around member needs

EPZA SACCO provides a range of loan products for eligible members, with terms that vary according to the facility.

The loan centre brings together information about the Society's available credit facilities so that members can compare their purpose, repayment periods, interest information and requirements.

Before applying, review the conditions for your preferred product and consider whether the proposed repayments are affordable within your financial circumstances.

Before choosing a loan

  • Confirm the purpose and amount required.
  • Review the interest rate and repayment period.
  • Assess your monthly repayment capacity.
  • Confirm the required documents and guarantees.
Review eligibility requirements
Before you apply

Understand the general loan requirements

The following conditions apply generally to EPZA SACCO loan facilities. Specific requirements may vary by product.

Consistent savings

Members generally need to have saved consistently for at least six months. Karibu Loan has different eligibility requirements.

Repayment capacity

Total monthly loan deductions must not exceed two-thirds (2/3) of the member's gross salary, according to the supplied SACCO conditions.

Qualified guarantors

Loans generally require guarantees from qualified SACCO members unless the product or application qualifies for self-guaranteeing.

Important

Meeting the general requirements does not guarantee approval. The SACCO will assess the application against the applicable product terms and lending conditions.

Application process

How to apply for a loan

Prepare the necessary information and supporting documents before submitting your application.

01

Choose a loan product

Review the available facilities and confirm which product suits your needs and repayment capacity.

02

Prepare your documents

Prepare your National ID or passport, KRA PIN certificate, three most recent payslips and applicable guarantor information. Self-employed members should provide a six-month bank statement.

03

Submit your application

Complete the loan application and submit it through the available application channel. The SACCO may request additional information during its review.

Ready for the next step?

Prepare your loan application

Review the application process and prepare the information required for your preferred facility.

Online loan application
Plan your repayments

Estimate your monthly loan repayments

Use the loan calculator to explore estimated repayments based on the selected product, loan amount, repayment period and applicable interest rate.

Calculator results are estimates and do not constitute a loan offer or approval.
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Need clarification?

Frequently asked questions

Find answers to common questions about EPZA SACCO loan facilities and the application process.

Review the information below and confirm any product-specific conditions with the SACCO.

Contact EPZA SACCO
Who can apply for an EPZA SACCO loan?

Loan facilities are available to eligible SACCO members, subject to the requirements of the selected product. Most products require consistent savings for at least six months, while Karibu Loan has different eligibility conditions.

How much can I borrow?

The amount depends on the loan product, your deposits, repayment capacity and the applicable terms. Emergency, School Fees and Development Loans are described as offering up to three times a member's deposits, subject to the relevant conditions.

What documents are required?

The supplied requirements include a copy of your National ID or passport, KRA PIN certificate and three most recent payslips. Self-employed members should provide a six-month bank statement. Additional documents or guarantor information may be required depending on the product.

What interest rate applies to a loan?

The standard rate supplied for most loan products is 1% per month on a reducing balance. Different rates are specified for some products, including Okoa, Masaa and Special Product Loans. Check the individual product details for the applicable rate.

Can I estimate my repayments before applying?

Yes. The loan calculator is intended to provide estimated repayments based on the selected product, amount, repayment period and applicable interest rate. Confirm the final terms with the SACCO.

Does submitting an application guarantee approval?

No. Every application is subject to the SACCO's eligibility checks, lending requirements and applicable product conditions.

Need help choosing a loan?

Contact EPZA SACCO for clarification about product requirements, applicable terms and the application process.

Contact the SACCO View products and services