Cosmo-Pesa Loan
- Access the Loan on M-cosmo App or *882#
- Receive money on M-pesa Wallet.
- One must be a member for a period not less than three months
- One can access a maximum of KShs.10,000 subject to your deposits
- The loan is payable within 30 days.
- interest 10% per month
Wezesha Loan
- Loan given strictly within 2/3 of the salary.
- Deducted through checkoff only.
- Repayment period within 84 months.
- Loan given to TSC, County and National Government Employees who are on permanent & pensionable terms only.
- PAYSLIP is the only security for this loan.
Premium Loan
- Eligible for salaried members
- Maximum deposit holdings five times subject to 2/3 rule.
- Repayment period maximum 96 months.
FOSA Loan
- 5 times member deposits
- Repayment period within 48 months.
- Salary must pass through Fosa.
Development Loan
- 5 times member deposits subject to 2/3 rule.
- Repayment period within 72 months.
Jijenge Loan
- 5 times member deposits.
- Salary must pass through Fosa.
- Other sources of income Must pass through Fosa.
- Repayment period within 48 months.
Refinancing Loan
- Within the remaining period of repayment of the major loan.
- Multiplying factor is as per the major loan less the loan balance.
Education Loan
- 5 times member deposits subject to 2/3 rule.
- Repayment period within 18 months.
Emergency loan
- 5 times member deposits subject to 2/3 rule.
- Repayment period within 12 months.
Pensioner Loan
- 5 times member deposits.
- Maximum repayment period within 84 months.
Chama Loan
- 5 times chama deposits
- Repayment period within 60 months.
- Collaterals can be used.
- Minutes of the group be attached to the application.
Biashara Loan
- 3 times member deposits.
- Collaterals can be used.
Salary Advance
Salary must Pass through FOSA
- Repayment period within 12 months.
Salary-In-Advance
- Salary must pass through FOSA.
- Repayment period within 1 month.
Pension Advance
- Pension salary must pass through FOSA.
- Guaranteed by a member with sacco deposits.
Fixed Deposit Advance
- Must have fixed deposit account.
- Fixed deposit advance to a maximum of 300,000/=.