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The product is designed for members who have exhausted their deposits borrowing ability but have capacity to repay through payroll.


  • Loan is repayable within a maximum of 3 years
  • Interest rate of 14.5% per year on a reducing balance
  • Proof of ability to pay through payroll.
  • Maximum aggregate amount of loan outstanding for all Fosa loans at any one time must not to exceed Ksh.1 Million.

Junior Education Loan

  • Qualifying amount is 2 times Junior Account(s)’ savings up to a maximum KShs. 1,000,000.00 subject to the one-sixth rule.
  • Members operating several Junior Accounts have the option of consolidating the savings in all the accounts to apply for just one loan.
  • Interest rate is 12% per annum on the reducing balance.
  • Maximum Repayment period is 6 months subject to the current employment contract.
  • Eligibility - Loan granted to members operating active and regular Junior Savings Accounts.
  • A minimum of 2 guarantors required.
  • The Loan Security is member’s own and guarantors’ deposits.
  • After loan disbursement, monthly savings to Junior Account shall be increased to cater for the loan repayments.

Quick Cash Loan


  •        Minimum Qualifying amount is KShs. 5000.00 while the maximum amount is KShs. 100,000.00 subject to a member’s individual scoring.
  •          An interest rate of 5% is recovered upfront from the amount borrowed.
  •          Maximum repayment period is 3 months (90 days) with a monthly roll over of the outstanding loan balance. At the end of each month, the balance rolls over and a nominal fee of 5% is charged on this balance.
  •          A member must be registered for mobile banking services to access this product.
  •          A member can borrow as many times as possible so long as s/he does not have an outstanding QC loan.
  •          Direct deposit to FOSA or mobile deposits followed by self-initiated transfer to the loan to do repayments of the QC loan.
  • Eligibility for this product is a continuous membership period of at least 6 months with consistent regular monthly contributions.


Salary Personal Loan


  • The maximum amount is Ksh. 1 Million.
  • The interest charged will be 14.5 % per annum on a reducing balance
  • The loan shall be repayable within 12 months from the time of issue
  • A member must remit their salary through the Sacco or have a direct debit agreement to qualify for this loan.

Loan Information

In addition to our wide range of financial products and services, UNSACCO provides loans services to its customers. The information.

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