The available amount depends on the product's terms and your eligibility.
Products & Services
Karibu Loan
A loan option for qualifying new members
All products and services
Loan product
Karibu Loan
A loan product available to members who have maintained membership for at least three months.
A loan option for qualifying new members
Product information is provided as a guide.
Eligibility and applicable terms must be confirmed
with EPZA SACCO.
Borrow responsibly
Understand the terms before applying.
Product overview
Understand the karibu loan
The Karibu Loan is intended for eligible members with at least three months of SACCO membership. Repayment is subject to the approved terms and SACCO assessment.
Product category:
Short Term
Review the information on this page and contact EPZA SACCO if you need clarification about current product terms, eligibility or application procedures.
Loan information
Understand the key loan terms
Consider the amount available, repayment period, interest information and eligibility requirements before applying.
Confirm the applicable repayment schedule before accepting a loan.
Confirm the rate, calculation method and any applicable charges with the SACCO.
Membership, savings and repayment capacity requirements may apply.
Important loan information
The details displayed are a guide to the product. The SACCO must confirm the approved amount, interest calculation, repayment schedule, guarantees and any additional applicable charges or conditions.
Product features
What you should know
Review the main features and product-specific information provided by EPZA SACCO.
For members with at least three months of membership
Repayment period of up to three months
Subject to eligibility and approval
Interest terms to be confirmed
Before you proceed
Check your loan eligibility
Requirements may vary according to the product and the member's circumstances. Contact the SACCO if you need clarification before proceeding.
Ask the SACCOEligibility requirements
Members who have been registered with the SACCO for at least three months and meet the applicable requirements.
Terms and conditions
The loan is subject to eligibility, repayment affordability, and SACCO approval. Confirm the applicable interest rate and other terms before applying.
Application preparation
Documents you may need
Use this list to prepare for an enquiry or application. Confirm the final documentation requirements with the SACCO.
Document checklist
Review the requirements listed for this product.
Completed loan application form
National ID or passport
KRA PIN certificate
Latest three payslips
Loan applications generally require a completed loan application form, identification, KRA PIN certificate and the three most recent payslips. Self-employed members should provide a six-month bank statement. Confirm the specific requirements for this loan.
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Need more information?
Talk to EPZA SACCO about karibu loan.
Get clarification on eligibility, current terms, supporting documents and the next steps.