+254 114 743 143 info@jambosacco.com

Affordable Loan Products

Access flexible loan facilities with competitive interest rates to meet your financial needs

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Our Loan Products

Choose from our variety of loan products tailored for different needs

Development Loan

Finance your home construction, renovation or land purchase with our flexible development loan.

Amount: Up to 3X your savings
Term: Up to 60 months
Rate: 12% p.a.
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Emergency Loan

Quick access to funds for medical emergencies or other urgent financial needs.

Amount: Up to 80% of savings
Term: Up to 12 months
Rate: 10% p.a.
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School Fees Loan

Ensure your children's education is not interrupted with our school fees financing.

Amount: Up to KES 500,000
Term: Up to 12 months
Rate: 11% p.a.
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Asset Financing

Purchase vehicles, equipment or other assets with our asset financing loan.

Amount: Up to KES 5M
Term: Up to 60 months
Rate: 13% p.a.
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Loan Requirements

To qualify for a loan with Jambo Sacco, you must meet the following basic requirements:

Active Membership

Be an active member of Jambo Sacco for at least 3 months with regular savings

Minimum Savings

Maintain a minimum savings balance as per the loan policy

Guarantors

Provide 1-3 guarantors depending on loan amount (must be active members)

Documentation

Complete loan application form and provide required documents

Our Loan Process

1
Application

Submit completed application form with required documents

2
Review

Credit committee reviews your application and savings history

3
Approval

Loan approval notification within 3-5 working days

4
Disbursement

Funds disbursed to your account upon signing agreement

Download Application Form

Ready to Apply for a Loan?

Complete our simple online application form to get started. Our loan officers will review your application and get back to you within 3 working days.

Quick approval process
Competitive interest rates
Flexible repayment terms

Loan Application Form

Frequently Asked Questions

Find answers to common questions about our loan products

Loan approval typically takes 3-5 working days after submitting a complete application with all required documents. Emergency loans may be processed within 24 hours.

You'll need:
  • Completed loan application form
  • Copy of your national ID
  • Recent pay slips (for salaried members)
  • Business registration documents (for business loans)
  • Quotation/invoice (for asset financing)

Yes, you can repay your loan early without any prepayment penalties. Early repayment may actually reduce your total interest payment.

Interest rates are determined by several factors including:
  • Type of loan product
  • Loan amount and repayment period
  • Your savings history with the Sacco
  • Current market rates
  • Risk assessment of your application

In case of default:
  • Your guarantors will be notified to cover the payments
  • Your savings may be used to offset the loan balance
  • Additional penalties may apply as per the loan agreement
  • Your credit standing with the Sacco will be affected
We encourage members facing repayment difficulties to contact us immediately to discuss possible restructuring options.

Need Help Choosing a Loan Product?

Our financial advisors are ready to guide you in selecting the best loan option for your needs

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