The available amount depends on the product's terms and your eligibility.
Products & Services
Top-Up Loan
Explore additional financing on an existing loan
All products and services
Loan product
Top-Up Loan
A loan facility for eligible members seeking additional financing while they have an existing loan.
Explore additional financing on an existing loan
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 top-up loan
The Top-Up Loan allows eligible members to explore additional borrowing against their available loan entitlement. The amount depends on the outstanding loan balance and SACCO eligibility rules.
Product category:
Top Up
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 eligible existing borrowers
Depends on outstanding loan balance
Subject to available loan entitlement
Requires SACCO assessment and approval
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
Existing borrowers who meet the SACCO top-up eligibility requirements.
Terms and conditions
The approved top-up amount, repayment period, and interest terms depend on the outstanding loan balance, member eligibility, and applicable SACCO policy. Confirm the 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 top-up loan.
Get clarification on eligibility, current terms, supporting documents and the next steps.