Don’t allow your projects to stall because you don’t have financing and have a loan.
The top up loan is a special product tailored to satisfy members need for extra financing after taking up a Normal/Gold loan and there is still need for more project funds.


  1. Maximum entitlement is 4 times total deposits plus shares less any outstanding loans.
  2. Interest rate for Gold loan top up at 14% p.a while normal loan top up at 12% p.a on reducing balance.
  3. Period to be determined by the remaining repayment period of the existing loan.
  4. Guarantors and acceptable collaterals required.
  5. You need to be a Sacco member for six months and have met the loan eligibility criteria.
  6. Terms and conditions on self-guarantee apply.


    1. Top up loan at no interest.