Catalogue information

Personal and salary-backed loan

Consider an eligible personal borrowing need using a transparent cost illustration and an assessment of your ability to repay.

Catalogue publication period: 2026-10-12T00:00:00.000Z / 2027-10-12T00:00:00.000Z

Catalogue available until: 2027-10-12T00:00:00.000Z

Interest, period and basis: Not specified in this catalogue. No rate or amount is assumed to be zero.

Next step Download catalogue information (PDF)

Eligibility and documents

Who this is for: Eligible members, including qualifying salaried workers; other income types only where accepted by the selected product.
Eligibility: Eligible members, including qualifying salaried workers; other income types only where accepted by the selected product.
What to prepare: Identity/membership; payslips or accepted income evidence; employment confirmation where required; debt information; repayment mandate and security if applicable.

Product conditions

Available loan amount: Not specified in this catalogue. Ask the SACCO for the current written terms before deciding.
Repayment term and schedule: Not specified in this catalogue. Ask the SACCO for the current written terms before deciding.
Security and guarantor requirements: Not specified in this catalogue. Ask the SACCO for the current written terms before deciding.
Product information: Consider a personal loan for a defined need that you can repay from verified income. Where a salary-backed product is available, the institution will explain the employer, salary-routing or repayment arrangements it requires. Check the total repayment amount, term, security and consequences of a change in income. A salary does not guarantee approval, and a household commitment should not be financed without understanding how repayments fit alongside essential expenses.
Uses: Permitted household expenditure or planned personal needs. Education and urgent needs can be separate approved variants or purpose tags.
Catalogue publication: The dates shown define the catalogue publication period. They do not establish the validity period of a financial rate, tariff or contract.
Must my salary come through the D-SACCO?: The local product must state whether that is required.
What happens if I change employer?: Contact the lender; the agreement determines how the repayment arrangement must change.

Tariff and charges

Catalogue cost disclosure

Numeric charges are not specified in this catalogue; no zero-cost claim is made.

Charge scope: This catalogue does not state a complete charge schedule. An empty list does not mean there are no charges.
Tax treatment: The catalogue does not specify taxes applicable to charges.
Calculation and assumptions: The catalogue does not specify a calculation method or total repayment amount. It does not provide a loan offer.

Next step

Process: Review eligibility/cost; prepare income and existing-debt evidence; apply; assessment; offer review/acceptance; disbursement confirmation; repayment.
Next step: Review eligibility/cost; prepare income and existing-debt evidence; apply; assessment; offer review/acceptance; disbursement confirmation; repayment.

Continue to an application form for this product. Receipt is confirmed only after the receiving service accepts your submitted request. A received request does not admit membership, open an account or approve a loan.

Start an application

These contact options let you ask this D-SACCO about the product. Opening them does not submit an application or confirm receipt of a message.

Find contact options