Loan Centre

Loan repayment calculator

Estimate your monthly instalments, interest and total repayment before applying for an EPZA SACCO loan.

Plan before you borrow

Understand your estimated repayments.

Select a loan product, enter the amount you wish to borrow and choose a repayment period. The calculator will estimate the monthly instalment, total interest and total repayment using the applicable indicative monthly rate.

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Borrow with clarity

Use the estimate to plan your budget. Final terms remain subject to SACCO assessment.

Personalise your estimate

Calculate your loan repayments

Complete the required fields. Salary and deposit details are optional, but can help you review indicative borrowing limits and repayment capacity.

01

Loan details

Enter the details for your estimate.

Choose from the currently available loan products published by EPZA SACCO.
Enter the principal amount you would like to estimate.
Months
The permitted period depends on the selected product.

Optional member information

Use these fields for additional indicative checks.

For Emergency, School Fees and Development Loans, the indicative amount is generally limited to three times deposits.
Used to estimate the two-thirds gross-salary deduction guideline.
Include existing monthly loan deductions when assessing indicative capacity.

Your entries are used to generate this estimate. This form does not submit a loan application.

Your repayment estimate

Your results will appear here

Complete the loan details and select Calculate repayments to view your estimated monthly instalment, total interest and repayment schedule.

Monthly instalment Total interest Repayment schedule
Simple and transparent

How the calculator works

Use these steps to prepare an estimate before reviewing the formal application requirements.

01

Select your loan product

Choose the loan facility you want to explore. Available terms and rates differ by product.

02

Enter amount and period

Provide the amount you wish to borrow and the repayment period permitted for the selected product.

03

Review your estimate

Check the estimated instalment, total interest and repayment schedule before proceeding to the application information.

Before submitting a loan application

Members generally need consistent savings for at least six months, except where different conditions apply, such as Karibu Loan. Total monthly loan deductions should not exceed two-thirds of gross salary under the supplied SACCO conditions. Guarantees, supporting documents and other product-specific requirements may also apply.

The calculator does not assess every eligibility condition and does not guarantee loan approval. Confirm the applicable terms with EPZA SACCO.

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