credit products

We have developed and we keep on reviewing credit products that suit our members.

STIMA SACCO CREDIT PRODUCTS

Find the best credit product for you by using the filters below

Loan type
Maximum loan amount
Ksh0/=Ksh7500000/=
Repayment period
0months144months

Apply for a Loan through the 

Working capital loan

Features

  • Max Loan Amount:3X members Alpha deposits
  • Repayment Up to 36Mths
Asset finance school loan

Features

  • Max Loan Amount: 3X members Alpha deposits(10M)
  • Repayment Up to 36mths
LPO loan

Features

  • Max Loan Amount: 3X members Alpha deposits(70% of Quotation value
  • Repayment Not exceeding 90 days
Invoice discounting loan

Features

  • Max Loan Amount: 3X members Alpha deposits(80% of invoice value)
  • Repayment Not exceeding 90 days
Investor loan

Features

  • Max Loan Amount:Upto 90% of the fixed deposit
  • Repayment Same as FDR period
Plot financing loan

Features

  • Max Loan Amount: 3X members Alpha deposits
  • Repayment Upto 24 months
Makazi poa loan

Features

  • Max Loan Amount: 7.5M
  • Repayment Upto 18-144 months
Mpawa loan

Features

  • Max Loan Amount:Kshs 200,000
  • Repayment Upto 6 months
Prima advance loan

Features

  • Max Loan Amount:Ksh 200,000
  • Repayment Up to 12mths
Emergency school fees loan

Features

  • Max Loan Amount: 3X members Alpha deposits
  • Repayment Up to 12mths
Emergency school fees loan

Features

  • Max Loan Amount: Up to 75% of Msingi Bora deposits
  • Repayment Up to 12 months
Salary advance loan

Features

  • Max Loan Amount:Kshs 100,000
  • Repayment Up to 1mths
Makeover loan

Features

  • Max Loan Amount:Kshs 100,000
  • Repayment Up to 1mths
Normal loan 1

Features

  • Max Loan Amount: 3X members Alpha deposits
  • Repayment Up to 48 months
Super loan

Features

  • Max Loan Amount: 4X members Alpha deposits
  • Repayment Up to 60mths
Shape

FREQUENTLY ASKED QUESTIONS

1. The general requirement is that one must have been a member of the Sacco for period of three months for individual members and 6 months for Corporate members.
2. One must fulfill all requirements of a specific loan product.

A member is required to have the minimum share capital at the time of applying for a loan.

The Sacco reaches out to customers in their places of work/ businesses.
• They can access loans typically for working capital, investment, asset
finance and trade finance.
• Credit appraisal of the group is done to determine the purpose and ability to repay.
• Loan security – Group guarantees, savings, collateral e.g., title, MV
logbook etc.
• They can also access repeat and larger loans based on repayment
performance.

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