Stima SACCO Development Loan
Stima SACCO
Last updated: December 16, 2025
★★★★★
0/5Based on 0 Reviews
Interest Rate
12% p.a.
Loan Amount
Ksh 50,000 - Ksh 10,000,000
Approval Time
24-48 hours
Processing Fee
KshNaN
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Pros & Cons
Pros
- Lower interest (12%) than banks
- Borrow up to 4x your savings
- Long repayment period (up to 6 years)
- No CRB check or listing
- Earn dividends on deposits
- Salary deduction convenience
- Insurance included
Cons
- Must be a member for 6+ months
- Requires guarantors
- Need to build deposits first
- Monthly contributions required
- Processing can take 48 hours
Customer Reviews
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Product Details
Features
- Borrow up to 4 times your deposits
- Low 12% interest on reducing balance
- Repayment up to 72 months
- Salary check-off deduction
- No CRB listing for defaults
- Dividend earnings on deposits
- Emergency loan available
- School fees advance loan
- Insurance on loan balance
Eligibility Requirements
Age: 18 - 65 years
Min Income: Ksh 15,000/month
Employment: Energy sector employees, Open to all SACCO members
Required Documents
- National ID
- Membership certificate
- Payslips (3 months)
- Guarantor forms
Repayment Options
Check-offBank transferM-Pesa
Ready to Apply?
Get started with Stima SACCO Development Loan today. Fast approval and competitive rates.
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