Ndege Chai SACCO Development Loan
Ndege Chai SACCO
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
11.5% p.a.
Loan Amount
Ksh 20,000 - Ksh 6,000,000
Approval Time
24-72 hours
Processing Fee
KshNaN
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Pros & Cons
Pros
- Competitive 11.5% interest on reducing balance
- Up to 3x deposits development loan
- Tailored for james finlays and unilever tea kenya employees and smallholders
- Kericho HQ anchor branch
- Tenure up to 72 months
- Tea-bonus backed loan
- Estate-HR check-off
- Estate housing loan
Cons
- Restricted to agriculture common bond members
- Guarantors required from same SACCO
- Minimum 3 months deposits before first loan
- Processing can take up to 48 hours
- Tea estate common bond
- Bonus volatility baked in
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Product Details
Features
- Tea-industry SACCO for Finlays and UTK employees
- Tea bonus-backed loan with estate verification
- Salary check-off through estate HR systems
- Low 11.5% rate on reducing balance
- Housing loan for estate-employee villages
- Education loan timed to tea bonus season
- Retirement scheme aligned to estate service
Eligibility Requirements
Age: 18 - 60 years
Employment: Tea estate employees, Finlays/UTK workers, Smallholder tea growers
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?
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