Don’t let your projects stall because you have exhausted your financing and still have a running loan.
Top Up loan is tailored to satisfy members who need 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 13% 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.