Products & Services

Financial solutions for your goals

Explore EPZA SACCO savings facilities, loan products and member services. Product access is subject to membership, eligibility checks and the applicable terms.

Explore what we offer

Save with purpose. Borrow responsibly. Move forward.

EPZA Regulated NWDT SACCO Society Limited provides savings facilities and credit products intended to support members' financial needs, from planned expenses to development goals.

Member-focused services · Clear product information · Responsible borrowing
EPZA SACCO Society Limited
Financial services built around members Savings, credit and support
Products Overview

Choose a service that fits your needs

Whether you are building savings or planning for a financial commitment, start by understanding the available facilities and their terms.

Savings help members build a financial base over time. Credit facilities are available to eligible members for different needs and repayment periods.

Before applying for a loan, review the applicable interest, repayment period, savings requirements, repayment capacity and guarantee conditions. Contact the SACCO if you need clarification about a product or your eligibility.

Ask about a product
Savings Products

Make saving part of your plan

EPZA SACCO provides savings facilities that help members set money aside for ongoing financial goals and seasonal expenses.

SAVINGS 01

Deposits Contribution

A regular monthly savings product that helps members build deposits and qualify for SACCO financial services.

Minimum Monthly Contribution KSh 1,500
  • Minimum monthly contribution of KSh 1,500
  • Builds member deposits over time
  • Supports loan eligibility
  • Encourages disciplined saving
View product details
SAVINGS 02

Christmas Savings

A flexible savings option that helps members prepare financially for the Christmas holiday season.

Contribution Any Amount
  • Flexible monthly contributions
  • Plan ahead for Christmas expenses
  • Payout in December
  • Encourages regular saving
View product details
Loan Products

Credit facilities for different financial needs

Review the purpose, indicative repayment period and interest information supplied for each product. Confirm the full terms with EPZA SACCO before applying.

Compare the productsUse the details below as a guide; approval and final terms are subject to SACCO assessment.
Loan application guidance
01

Development Loan

A loan facility designed to help members meet development and major financial needs.

Members who have maintained consistent savings for at least six months and meet the SACCO loan requirements.
Loan amount
Up to 3 times member deposits
Repayment
Up to 60 months
Interest
1% per month on a reducing balance
View loan details
02

Emergency Loan

A short-term loan facility for eligible members facing urgent and unexpected financial needs.

Members who have maintained consistent savings for at least six months and satisfy the SACCO loan requirements.
Loan amount
Up to 3 times member deposits
Repayment
Up to 12 months
Interest
1% per month on a reducing balance
View loan details
03

School Fees Loan

A loan facility to help members meet school fees and related education expenses.

Members who have maintained consistent savings for at least six months and satisfy the SACCO loan requirements.
Loan amount
Up to 3 times member deposits
Repayment
Up to 12 months
Interest
1% per month on a reducing balance
View loan details
04

Special Product Loan

Financing for approved items such as televisions and mobile phones, subject to SACCO terms.

Eligible SACCO members who meet the applicable membership and repayment requirements.
Loan amount
Subject to the approved item and SACCO terms
Repayment
Up to 6 months
Interest
2% per month; calculation method to be confirmed
View loan details
05

Top-Up Loan

A loan facility for eligible members seeking additional financing while they have an existing loan.

Existing borrowers who meet the SACCO top-up eligibility requirements.
Loan amount
Based on outstanding balance and eligibility
Repayment
Subject to SACCO approval
Interest
Interest terms to be confirmed with the SACCO
View loan details
06

Masaa Loan

A short-term loan product with a repayment period of one month.

Eligible SACCO members who meet the applicable requirements.
Loan amount
Subject to SACCO approval
Repayment
1 month
Interest
10% per month; calculation method to be confirmed
View loan details
07

Okoa Loan

A short-term loan product with flexible repayment periods of one to six months.

Eligible SACCO members who meet the applicable requirements.
Loan amount
Subject to SACCO approval
Repayment
1–6 months
Interest
10% per month; calculation method to be confirmed
View loan details
08

Karibu Loan

A loan product available to members who have maintained membership for at least three months.

Members who have been registered with the SACCO for at least three months and meet the applicable requirements.
Loan amount
Subject to SACCO approval
Repayment
Up to 3 months
Interest
Interest rate and calculation method to be confirmed
View loan details

Please note: Product information is a summary, not a loan offer. Actual eligibility, approved amount, applicable charges, repayment terms and other conditions are determined by the SACCO. Where a rate or term is not specified here, please confirm it directly with the Society.

Before You Apply

Understand the general loan conditions

Loan applications are assessed against product requirements and the member's financial circumstances.

Consistent savings

Most loan products require consistent savings for at least six months. Karibu Loan has different eligibility conditions.

Repayment capacity

Total monthly loan deductions should not exceed two-thirds of gross salary, according to the supplied product conditions.

Guarantees

Loan applications generally require qualified member guarantees unless the applicant qualifies for self-guaranteeing.

Prepare your documents

Loan applications generally require a completed loan form, identification, KRA PIN certificate and the three latest payslips. Self-employed members should confirm the required supporting documents with the SACCO.

Visit the Download Centre
Member Services

Get support throughout your SACCO journey

Access the information and resources that help you understand membership, prepare applications and get assistance.

Loan application guidance

Review loan requirements and prepare the documents needed for an application.

Loan application

Loan calculator

Use the loan calculator page to estimate repayments when available.

Open calculator

Download centre

Find membership, loan and other official forms and documents.

Find forms
Need help choosing?

Talk to EPZA SACCO before you decide.

Contact the Society to confirm eligibility, current product terms and the documents you need.