Frequently Asked Questions

We offer several types of loans to meet different needs:

• Personal Loans: For individual financial needs, such as medical expenses, education, or home improvements.
• Business Loans: To help businesses expand, purchase inventory, or manage cash flow.
• Emergency Loans: Quick access to funds for unexpected financial emergencies.
• Weekly Loans: Short-term options with weekly repayment schedules.
• Monthly Loans: Longer-term options with monthly repayment schedules.

Our interest rates vary depending on the type of loan, loan amount, repayment period, and your credit history. Generally, our rates range from 12% to 18% per annum for standard loans. Members may qualify for lower interest rates. For the most accurate information, please contact our loan officers for a personalized quote.

Our loan approval process is designed to be quick and efficient:

• Emergency loans can be approved within 24 hours.
• Personal and business loans typically take 2-3 business days for approval.
• Larger loan amounts may require additional verification and can take up to 5 business days.

The approval timeline begins once we have received all required documentation.

Required documents typically include:

• Valid national ID or passport
• KRA PIN certificate
• Proof of income (pay slips, bank statements for the last 3 months)
• Proof of residence (utility bills, lease agreement)
• For business loans: business registration documents, financial statements, business plan

Additional documents may be required based on the loan type and amount.

Membership offers several exclusive benefits:

• Lower interest rates on loans
• Higher loan limits with consistent transactions
• Priority processing of applications
• Financial advisory services
• Networking opportunities with other members

To become a member, you need to:

1. Complete a membership application form
2. Provide necessary documentation (National ID/Passport, KRA PIN copy, two passport photos)
3. Pay the registration fee of Ksh 500

You can apply at our Nairobi office or online through our website.