This   loan mainly targets a member with existing loan/s but has ability to borrow   more. Product features are;

1. Aggregate Maximum loan (i.e. Normal Loan & Normal Plus Loan) amount of   Kshs. 2.5M or 

   10% of Sacco Core Capital.    

2. Maximum entitlement is 3.5 times total deposits   

3. Maximum repayment period of 48 months   

4. Interest rate of 1% per month on a reducing balance.   

5. The deadline for submission of application form is the 25th of every month   

6. This loan can offset any other loan.   

7. Top up acceptable only after 6 months of repayment   

8. Insurance charge of 1% of gross loan is applicable   

9. Loan must be fully guaranteed