This product is designed to assist members meet urgent financial obligations e.g. school fees, medical bills and other unforeseen circumstances. Product features are;

1. Maximum loan amount of Kshs. 200,000. This is exempted from the aggregate loans limit of 

   Kshs. 2.5M or 10% of core capital.   

2. Maximum entitlement is 3.5 times total deposits   

3. Maximum repayment period of 12 months   

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

5. The duly completed loan application form shall be expected to reach the Sacco any   

    working day during the month.   

6. Loan processed within 24 hours.   

7. This loan cannot offset a similar loan but can offset a different type of loan   

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

9. Loan must be fully guaranteed