The Tulizo Loan provides members with longer-term financing anchored directly on their accumulated deposits, offering extended financial tranquility and manageable monthly check-off payments. Designed for members pursuing major lifetime projects, property acquisitions, or structural financial consolidation, this facility combines maximal borrowing power with an extended repayment timeline. As a licensed cooperative financial institution regulated by the Sacco Societies Regulatory Authority (SASRA), Kenyatta Matibabu SACCO delivers this long term SACCO financing Kenya product at an affordable interest rate of 13% per annum calculated on a reducing balance base. Repayable over a comfortable period of up to 72 months (6 years), the loan requires full guarantor coverage from at least three active members. You can also explore our core Deposit Accounts to grow your primary savings equity and maximize your total borrowing limit under the Tulizo Loan.
- Loan amount up to 3× member deposits
- Repayable up to 72 months (6 years)
- Interest rate of 13% per annum on a reducing balance
- Fully guaranteed by at least three (3) guarantors
Loan Calculator
Enter your loan details to estimate repayment. Results are indicative and may differ from the SACCO schedule.
Why Choose a Tulizo Loan for Long-Term Peace of Mind?
Fulfill major personal investments with complete financial ease using deposit based 72 month loan solutions designed for cooperative members. Our Tulizo Loan product provides high borrowing capacity, low annual interest charges, and a 6-year repayment schedule that keeps your family budget stress-free.
Borrow Up to 3x Member Deposits
Convert your accumulated savings into substantial investment capital. Securing a Tulizo Loan allows eligible members to borrow up to three times (3x) their total active deposits, ensuring significant financial undertakings receive total funding support.
Affordable 13% p.a. Reducing Rate
Keep your long-term debt servicing costs fair and predictable. Featuring a competitive 13% annual interest rate charged on a reducing balance base, your monthly interest charges drop steadily as your principal loan balance is paid down over time.
Flexible 72-Month Repayment Horizon
Spread your repayments across an extended 6-year duration. Utilizing this 6 year SACCO loan timeline minimizes monthly check-off deductions, preserving your disposable income while giving you immediate access to long-term capital.
Structured 3-Guarantor Backing
Secure extended capital with trusted cooperative support. Obtaining a Tulizo Loan requires full guarantorship from at least three (3) active, fully compliant SACCO members, ensuring a transparent and dependable loan evaluation workflow.
How To Manage Your Tulizo Loan
Requirements for Extended SACCO Financing
Qualifying for a low interest long term loan at Kenyatta Matibabu SACCO involves simple, structured qualification steps:
3x Savings Leverage: Total credit availability is calculated dynamically up to 3 times your active accumulated member deposit balance.
Three Active Guarantors: Secure your Tulizo Loan application form with verification signatures from at least three (3) active, compliant SACCO guarantors.
Payroll Margin Assessment: Applicants must present adequate net income margin on recent payslips to support monthly payroll check-off deductions across the 72-month tenure.
Repayment Terms & Policy Rules
Managing your extended credit facility responsibly ensures ongoing financial peace and strengthens your SACCO standing:
Reducing Balance Calculations: Interest on your Tulizo Loan is computed at 13% per annum on a reducing balance base, rewarding early principal reductions with interest savings.
72-Month Maximum Duration: Repay your borrowed funds conveniently over a maximum timeline of 72 months (6 years) through automated check-off deductions.
Wealth Accumulation Continuity: As you service your facility while making regular monthly deposit contributions, your overall borrowing capacity expands for future investment opportunities.
