BOSA Loans
Designed to facilitate financing of both movable and immovable assets
Asset Financing Loan
- Gets a loan 3-4 times deposits.
- Repayment period 36 months.
- One must be a member.
- One must have shares.
For development and investment
Development Loan
- Loan is repayable within 36 months.
- Gets loan up to 3-4 times value of the shares (deposits).
- One must be a member.
- One must have shares.
- Guarantors and/or tangible security e.g. charged title deeds, logbook, insurance surrender value.
Loans for boosting existing businesses
Growth Oriented Enterprise (GOE) Loan
- Ranges from kshs 300,000 and above.
- Loan is repayable within 48 months.
- Gets loan up to 3 to 4 times value of the shares (deposits)
- One must have an existing business.
- One must be a member.
- One must have shares.
Loan designed to assist fast moving business with instant loans
Biashara/Soko/Invoice Discounting Loan
- Loan limit amounts from 3,000.
- Flexible repayment period
- Affordable interest rate
- Active savings for at least 1 month
Loan for school fees payments
Education Loan
- Gets loan up to 3 times the value of the shares (deposits).
- Repayment of 12 months.
- One must be a member.
- One must have shares.
- Cheque is issued after the loan is disbursed.
Loan secured using movable household or chattels mortgage
Jitegemee Loan
- Gets loan up to 3 times the value of the shares (deposits).
- Loan ranging from Kshs 15,000 to Kshs 500,000.
- Loan is repayable within 36 months.
- One must be a member.
- One must have shares
- Gets loan up to 3-4 times value of the shares (deposits).
Issued to dairy farmers for construction of modern cow sheds, chaff cutters, purchase of dairy cows e.t.c
Dairy Tosha Loan
- Affordable interest rate.
- Gets loan up to 4 times the value of the shares (deposits).
- Repayment period: A maximum of 12 months.
- One must be a member.
- One must have shares.
Available to all dairy farmers whose milk payout is at Times U Sacco
Maziwa Plus Loan
- Loan amount depend on the ability to pay (6 times the value of 3 months’ milk average production)
- Repayment period: A maximum of 12 months.
- One must be a member.
- One must have shares.
This is a product designed strictly for those members who are practicing commercial farming
Smart Farming Loan
- Has a maximum repayment period of 36 Months
- Gets loan up to 3 times the value of the shares (deposits).
- Affordable interest rates.
- One must be a member.
- One must have shares.
Products include solar panels, biogas, tanks, dam liners, borehole drilling, solar water heaters e.t.c
Eco-Green Loan
- Has a maximum repayment period of 36 Months
- Gets loan up to 3 times the value of the shares (deposits).
- Affordable interest rates.
- One must be a member.
- One must have shares.
Financing groups for projects, farming and individual lending in a registered self-help group.
Group Micro-Lending Loan
- Gets loan up to 5 times the value of the shares (deposits).
- Affordable interest rates.
- Registered group with social services.
- Have at least 10 members or more.
Loan for tea farmers
Majani Loan
- Loan is repayable within 36 months.
- One can get up to 3 times the value of the shares based on 1/3 monthly repayment.
- Affordable interest rates.
- Flexible repayment rates.
- One must be a member.
- Pay out must be remitted through the Sacco for at least 3 months.
- Produce latest pay slips.
A product tailored to enable our youth and any other willing person to own a motor bike
Boda Boda Loan
- Loan is repayable within 24 months.
- Gets loan up to 5 times value of the shares (deposits).
- Attractive interest rate.
- Gets an instant motor bike.
- One must be a member.
- One must have shares.
Supporting employees of the private sector, and contract workers whose pay is on monthly basis.
Inuka Mshahara Loan
- Maximum repayment period of 24 months.
- One gets loan up to 10 times the value of the shares (deposits).
- Flexible interest rates.
- One must be a member.
- One must have shares.
- Must have a salary account with Times U Sacco
The product is aimed to finance churches in their projects
Church Loan
- Maximum repayment period of 36 months.
- One gets loan up to 3 times the value of the shares (deposits).
- Affordable interest rates.
- Flexible repayment period.
- One must be a member.
- One must have shares.
"We ensure timely service delivery and address the customers' ever changing financial needs."
Helps counter any misfortunes which are emergency in nature as a member
Emergency Loan
- Loan is repayable within 12 months.
- Available to members with emergency issues.
- Its usually an instant loan.
- Attractive interest rate.
- One must be a member.
- One must have shares.
- Gets loan up to 3 times value of the shares (deposits).
This is a LPO financing loan
Tender Loan
- Loan is guided by LPO provided.
- Repayment period is considered by LPO and usually 1-3 months.
- One must be a member.
- One must have shares.
- One gets loan up to 3 times the value of the shares (deposits).
Tank Loan
Tank Loan
- Instant loan.
- For water harvesting.
- Repayment period 24 months.
- One must be a member.
- One must have shares.
- One gets loan up to 3 times the value of the shares (deposits).
Afya Njema Loan
Afya Njema Loan
- Covers 7 people.
- Outpatient Ksh 50,000.
- Inpatient Ksh 250,000.
- Burial arrangements Ksh 50,000.
- One must be a member.
- One must have shares.
- One gets loan up to 3 times the value of the shares (deposits).
NHIF Loan
NHIF Loan
- Affordable loan.
- To settle patient bills.
- One must be a member.
- One must have shares.
- One gets loan up to 3 times the value of the shares (deposits).
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