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Ardhi SACCO Development Loan

Ardhi SACCO

Last updated: April 16, 2026

Reviewed byPesaMarket Research Team
|Last verified: Apr 16, 2026
★★★★★
0/5
Based on 0 Reviews
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Interest Rate
12% p.a.
Loan Amount
Ksh 50,000 - Ksh 10,000,000
Approval Time
24-72 hours
Processing Fee
KshNaN

Rating Breakdown

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Total: 0 Reviews

Pros & Cons

Pros

  • Competitive 12% interest on reducing balance
  • Up to 3x deposits development loan
  • Tailored for ministry of lands employees
  • Ardhi House Nairobi anchor branch
  • Tenure up to 72 months
  • Plot-purchase product with title assistance
  • Construction loan aligned to survey stages
  • Lands-sector payroll check-off

Cons

  • Restricted to public service common bond members
  • Guarantors required from same SACCO
  • Minimum 3 months deposits before first loan
  • Processing can take up to 48 hours
  • Closed to non-lands sector
  • Plot loans require clean title

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Product Details

Features

  • Tailored for lands, survey, and physical planning professionals
  • Plot-purchase loan with title search assistance
  • Construction loan paced to surveyor certification stages
  • Land rate loan advance for property owners
  • Salary check-off across the Ministry of Lands
  • Professional development loan for ISK qualifications
  • FOSA account with front-office teller services

Eligibility Requirements

Age: 18 - 60 years
Employment: Ministry of Lands staff, Survey of Kenya employees, County physical planners, NLC staff

Required Documents

  • National ID
  • Membership certificate
  • Payslips (3 months) or trade proof
  • Guarantor forms (2+ guarantors)
  • KRA PIN certificate

Repayment Options

Salary check-offBank transferM-Pesa

Ready to Apply?

Get started with Ardhi SACCO Development Loan today. Fast approval and competitive rates.

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Application takes less than 10 minutes

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