Loan Calculator

Calculate your monthly repayment instantly based on your selected loan type

Umodzi SACCO Loan Calculator

Our loan calculator helps you estimate monthly payments, interest, and the total repayment amount, giving you a clearer picture of your financial commitment. This tool is designed to support informed decision-making, so you can borrow with confidence and align your payments with your budget.

Loans Insured
Covered by CIC Insurance
Reducing Balance
Fair & Transparent Interest
Dividend Returns
Profits Shared Annually

Our Loan Products

Flexible, affordable and designed to help you accomplish your financial dreams.

Normal Loan (4.5%)

1 – 3 Years | Up to K1,400,000

  • 4% processing fee
  • Reducing balance
  • 10% shares (new members)
Business Loan (4%)

1 – 5 Years | From K1,500,000

  • 2.5% processing fee
  • Reducing balance
  • Instant access
Emergency Loan (5%)

3 Months

  • 5% processing fee
  • Same-day disbursement
  • Reducing balance
Pasavute Loan (5%)

6 Months

  • 5% processing fee
  • Emergency extension
  • Min K600,000
School Fees Loan (3.5%)

1 Year

  • No processing fee
  • Principal-based
  • Requires fee structure
Pay-Day Loan (2.5%)

1 Month

  • No processing fee
  • Once-off interest
  • Same-day access
Takulandilani Loan (2.5%)

12 – 24 Months

  • 2.5% processing fee
  • Principal-based
  • For new civil servants
Fertilizer Loan (5%)

6 Months

  • 2% processing fee
  • Principal-based
  • Seasonal loan
Group Loan (5%)

6 Months

  • 4% processing fee
  • Principal-based
  • Minimum 5 members
Kumanga Loan (3.5%)

1 – 3 Years

  • 2.5% processing fee
  • Principal-based
  • Requires building quotation