Catalogue information

Emergency and essential-needs loan

Request information about finance for an eligible urgent need, without a promise of instant approval or disbursement.

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.

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Eligibility and documents

Who this is for: Eligible members with an accepted essential purpose and an assessable repayment source.
Eligibility: Eligible members with an accepted essential purpose and an assessable repayment source.
What to prepare: Identity/membership; proportionate cost evidence; income and existing obligations; required security. Collect only information needed for the decision.

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: Discuss an unexpected essential expense with your D-SACCO and review the options before borrowing. Where emergency credit is available, staff will explain eligibility, required information, the decision process and repayment terms. Urgency does not remove assessment or the need to understand costs. Ask about alternatives and repayment support, especially when income has also been interrupted. Do not assume that an enquiry will produce an immediate approval or same-day disbursement.
Uses: Unexpected household repairs or other approved essential expenses; avoid unnecessary collection of sensitive medical details.
Catalogue publication: The dates shown define the catalogue publication period. They do not establish the validity period of a financial rate, tariff or contract.
Is this automatically approved for members?: No; the institution still assesses the application.
I cannot repay my existing loan—should I take this?: Contact the repayment-help team first; do not assume additional borrowing solves the problem.

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: Contact an authorised officer; explain the need and repayment source; submit required evidence; await decision; consider any offer; receive confirmed funds and repay.
Next step: Contact an authorised officer; explain the need and repayment source; submit required evidence; await decision; consider any offer; receive confirmed funds and repay.

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.

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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.

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