Credit Facilities

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Affordable Credit to Fuel Your Growth

Financing Asset Acquisition and Business Growth

The credit facilities provided by Wataalamu SACCO are designed to offer affordable, flexible, and purpose-driven financing to its professional members. They cover a range of needs, from major investments to immediate requirements, always emphasizing competitive rates and responsible borrowing.

Our Loan Products

Development Loan

For projects you hope to achieve, save consistently for 6 months and get this type of loan.

i. Access up to 3 times of your main savings.
ii. Interest rate of 1% p.m on a reducing balance.
iii. Repayable in a maximum of 48 months.
iv. Minimum monthly deposit contribution of KES 2,000.

Jipampe Loan

Enjoy a smart life through the Jipampe loan. Suitable for persons going for holiday and have saved for a minimum of 6 months.

i. Access up to KES 100,000.
ii. Interest rate of 5% p.m on a reducing balance.
iii. Repayable in a maximum of 6 months.

Emergency Loan

i. Access up to 3 times of your main savings.
ii. Interest rate of 1.25% p.m on a reducing balance.
iii. Repayable in a maximum of 12 months.
iv. Minimum monthly deposit contribution of KES 2,000.

Education Loan

i. Access up to 3 times of your main savings.
ii. Interest rate of 1% p.m on a reducing balance.
iii. Repayable in a maximum of 12 months.
iv. Minimum monthly deposit contribution of KES 2,000.

Exclusive Loan

Be superior, be among the exclusive. This product is meant to speed up your projects. Save kes 5,000 per month consistently and qualify.

i. Access up to 4 times of your main savings.
ii. Eligible to members with main savings of KES 500,000 and above.
iii. Interest rate of 1.25% p.m on a reducing balance.
iv. Repayable in a maximum of 72 months.
v. Minimum monthly deposit contribution of KES 5,000.

Karibu Loan

This product is for new members who have actively saved for a period of 3 to 6 months.

i. Access up to KES 50,000.
ii. Interest rate of 5% p.m. on a reducing balance.
iii. Repayable in a maximum of 6 months.
iv. Minimum monthly deposit contribution of KES 2,000.

Express Loan

i. Access up to KES 50,000.
ii. Interest rate of 5% p.m on a reducing balance.
iii. Repayable in a maximum of 3 months.