The Collateral Loan is a credit facility offered by the SACCO where a member secures a loan using movable or immovable assets instead of relying only on guarantors.
- No need to look for guarantors to access a loan
- Full privacy when borrowing without involving other members
- Faster loan access using owned assets
- Collateral is charged once and reused for multiple loans
- Reduced reliance on member pledges and guarantees
- Ability to combine collateral with deposits or guarantors if needed
- Refinancing allowed without recharging perfected collateral
- Flexibility to borrow higher amounts based on asset value
Loan Calculator
Enter your loan details to estimate repayment. Results are indicative and may differ from the SACCO schedule.
Use the product rate (example: 12% p.a or 1% p.m).
Choose p.a for annual rates, p.m for monthly rates.
Upfront is useful for products that charge interest upfront (e.g. “8% upfront”).
If your product has a processing fee, add it here.
Disclaimer: This calculator provides estimates only. Actual repayment may vary based on SACCO terms, deductions,
and approvals.
Estimated Monthly Repayment (KES)
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Total Interest (KES)
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Total Amount Payable (KES)
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Tip: Interest rates and repayment methods depend on the loan product selected.
