Credit Facilities
Loans built for
real life
From instant mobile loans to long-term development financing — competitive rates, flexible terms, and fast approvals.
From
1% p.m.
Max Amount
KSh 6M
Max Period
72 months
Loan Types
10+
Development
Development Loans
Normal Development Loan
Funds for personal and business development
Max Amount
3× your deposits
Period
36 months
Interest Rate
1% p.m. reducing balance
- ✓Loan up to 3× your deposits
- ✓Repayment up to 36 months
- ✓1% per month on reducing balance
- ✓Based on repayment ability
Super Development Loan
Larger loans, more time to repay
Max Amount
3× your deposits
Period
60 months
Interest Rate
1.17% p.m. reducing balance
- ✓Extended repayment up to 60 months
- ✓Easier monthly repayments
- ✓1.17% per month on reducing balance
Jijenge Loan
Build bigger with a share booster
Max Amount
3× deposits after booster
Period
72 months
Interest Rate
1.17% p.m. reducing balance
- ✓Minimum KSh 200,000 savings required
- ✓Member for at least 2 years
- ✓Share booster to qualify for larger loan
- ✓Consolidated repayment up to 72 months
Asset Finance
Asset Finance Loans
Asset Finance (Land)
Finance your land acquisition
Max Amount
KSh 6,000,000
Period
60 months
Interest Rate
1.25% p.m. reducing balance
- ✓Up to 80% of accredited valuation
- ✓Maximum KSh 6 million
- ✓Asset charged to Unga Sacco
- ✓Valuation & legal costs by loanee
Asset Finance (Car)
Drive your dream vehicle
Max Amount
KSh 2,000,000
Period
48 months
Interest Rate
1.25% per month reducing balance
- ✓KSh 550,000 minimum — KSh 2M maximum
- ✓Repayment up to 48 months
- ✓Comprehensive insurance required
- ✓Vehicle must be ≤ 8 years old
Fast relief when life takes an unexpected turn
Emergency
Emergency Loans
Emergency Loan
Quick relief when life happens
Max Amount
KSh 100,000
Period
12 months
Interest Rate
1% p.m. reducing balance
- ✓Covers hospital bills, court fines, disasters
- ✓Maximum KSh 100,000
- ✓Repayment within 12 months
- ✓1% per month on reducing balance
Imani / Special Emergency
For larger unforeseen emergencies
Max Amount
KSh 500,000
Period
24 months
Interest Rate
1.25% p.m. reducing balance
- ✓Covers events exceeding Emergency Loan limit
- ✓KSh 100,000 – KSh 500,000
- ✓24-month repayment period
- ✓1.25% per month on reducing balance
Invest in education — cheques paid directly to the institution
Education
Education Loans
Education Loan
Invest in knowledge and future
Max Amount
KSh 1,000,000
Period
36 months
Interest Rate
1.25% p.m. reducing balance
- ✓Maximum KSh 1 million
- ✓Repayment up to 36 months
- ✓Cheques payable directly to institution
School Fees Loan
Never miss a school term
Max Amount
Based on deposits
Period
12 months
Interest Rate
1% p.m. reducing balance
- ✓Repayment within 12 months
- ✓Cheques payable to school / institution
- ✓1% per month on reducing balance
Mobile
Mobile Loans
Mobile Loan
Instant loan via *483*129#
Max Amount
KSh 50,000
Period
3 months
Interest Rate
7.5% p.m. reducing balance
- ✓Dial *483*129# to access
- ✓Up to 20% of your deposits
- ✓Maximum KSh 50,000
- ✓Repay within 3 months
Payment Options
Repay with ease
Cooperative Bank
Enterprise Road Branch Acc: 01120000604800
M-Unga
*483*129#
Co-op Agents
All Cooperative Bank agents nationwide
Send Slip to
ungasacco@unga.com WhatsApp: 0714 095 059
Ready to apply?
Members can apply for loans directly. Not a member yet? Join first.