Loans, Savings & Shares
At Umodzi SACCO, we provide affordable loan solutions, flexible savings options, and rewarding share investments designed to help you accomplish your financial dreams.
Affordable Loans, Smart Savings & Profitable Shares
At Umodzi SACCO, we offer a wide range of loan products designed to support your personal, business, and family goals. Whether you are expanding a business, paying school fees, building a home, or managing unexpected expenses, our low-interest loans make borrowing affordable and accessible.
We also provide structured savings accounts and share investments that promote financial discipline, long-term security, and annual dividend rewards for our valued members.
Loan Products
Normal Loan (1–3 Years)
Accessible up to K1,400,000. 4.5% monthly interest on reducing balance with 4% processing fee. Repayment up to 36 months based on affordability. 10% of loan forms initial shares contribution (new members).
Business Loan (1–5 Years)
Minimum K1,500,000. 4% monthly interest on outstanding balance and 2.5% processing fee. Ideal for business expansion. 10% contributes to member shares.
Emergency Loan (3 Months)
Same-day processing and cash disbursement. 5% monthly interest and 5% processing fee. Designed for urgent financial needs.
Pasavute Loan (6 Months)
Extension of Emergency Loan. Minimum K600,000. 5% monthly interest and 5% processing fee. Flexible 6-month repayment.
School Fees Loan (1 Year)
3.5% monthly interest on principal balance. No processing fee. Requires school fees structure. Supports education goals.
Pay-Day Loan (1 Month)
Salary advance with same-day access. Once-off 2.5% interest on principal. No processing fee. Deducted once monthly.
Takulandilani Loan (1–2 Years)
For newly employed civil servants. 2.5% monthly interest on principal. 2.5% processing fee. Instant access upon joining.
Fertilizer Loan (6 Months)
Disbursed based on fertilizer market price. 5% monthly interest on principal. 2% processing fee. Supports agricultural productivity.
Group Loan (6 Months)
Minimum 5 registered members required. 5% monthly interest on principal. 4% processing fee. Repayment at month-end.
Kumanga Loan (1–3 Years)
Building loan reviewed upon submission of quotation. 3.5% monthly interest on principal. 2.5% processing fee.
Calculate Your Loan Easily!
Use our intuitive loan calculator to see your repayment schedule and monthly installments. Plan smarter and borrow with confidence!
Open Loan CalculatorSavings Products
Member Ordinary Savings
Minimum K4,000 monthly. Flexible contributions allowed.
Fixed Deposit Account
18% interest per annum. Minimum K10,000. Matures monthly.
Christmas Savings
12% interest per annum. Withdrawable in December.
Children Savings
Minimum K10,000. Secured savings handed over at 18 years.
Shares
