BOSA Loans

Providing the best financial solutions to our members.

Designed to facilitate financing of both movable and immovable assets

Asset Financing Loan

Asset finance loan is a product designed to facilitate financing of both movable and immovable assets.
Features
  • Gets a loan 3-4 times deposits.
  • Repayment period 36 months.
  Requirements
  • One must be a member.
  • One must have shares.

For development and investment

Development Loan

For development and investment.
Features
  • Loan is repayable within 36 months.
  • Gets loan up to 3-4 times value of the shares (deposits).
  Requirements
  • 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

Loans for boosting existing businesses.
Features
  • 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)
  Requirements
  • 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

This is a product designed to assist fast moving business with instant loans.
Features
  • Loan limit amounts from 3,000.
  • Flexible repayment period
  • Affordable interest rate
  Requirements
  • Active savings for at least 1 month

Loan for school fees payments

Education Loan

This is a loan product tailor made to address education needs. This involves but not limited to school fees loan, hostel financing, laptop/iPad purchasing.
Features
  • Gets loan up to 3 times the value of the shares (deposits).
  • Repayment of 12 months.
  Requirements
  • 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

Loan secured using movable household or chattels mortgage.
Features
  • 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.
  Requirements
  • 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

It shall be issued to clients who are conducting dairy farming for: construction of modern cow sheds (zero grazing), chaff cutters, purchasing additional dairy cows e.t.c)
Features
  • Affordable interest rate.
  • Gets loan up to 4 times the value of the shares (deposits).
  • Repayment period:  A maximum of 12 months.
  Requirements
  • 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

Available to all dairy farmers whose milk payout is at Times U Sacco.
Features
  • 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.
  Requirements
  • 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

This is a product designed strictly for those members who are practicing commercial farming. Products to be financed include agro-vets, farming tractors, green houses, farm input shops.
Features
  • Has a maximum repayment period of 36 Months
  • Gets loan up to 3 times the value of the shares (deposits).
  • Affordable interest rates.
  Requirements
  • 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

Products include solar panels, biogas, tanks, dam liners, borehole drilling, solar water heaters e.t.c
Features
  • Has a maximum repayment period of 36 Months
  • Gets loan up to 3 times the value of the shares (deposits).
  • Affordable interest rates.
  Requirements
  • 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

Financing for groups in their projects, farming and individual lending in a registered self-help group.
Features
  • Gets loan up to 5 times the value of the shares (deposits).
  • Affordable interest rates.
  Requirements
  • Registered group with social services.
  • Have at least 10 members or more.

Loan for tea farmers

Majani Loan

For members whose tea pay-out is at Times U Sacco. Repayment mode: 1/3 monthly tea pay out, 2/3 mini and main bonus.
Features
  • 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.
  Requirements
  • 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

A product tailored to enable our youth and any other willing person to own a motor bike.
Features
  • 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.
  Requirements
  • 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

Supporting employees of the private sector, and contract workers whose pay is on monthly basis.
Features
  • Maximum repayment period of 24 months.
  • One gets loan up to 10 times the value of the shares (deposits).
  • Flexible interest rates.
  Requirements
  • 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

The product is aimed to finance churches in their projects such as purchase of musical instruments, purchase of land, construction of churches, relocation of church from rented premises.
Features
  • 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.
  Requirements
  • 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

Helps counter any misfortunes which are emergency in nature as a member.
Features
  • Loan is repayable within 12 months.
  • Available to members with emergency issues.
  • Its  usually an instant loan.
  • Attractive interest rate.
  Requirements
  • 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

This is a LPO financing loan.
Features
  • Loan is guided by LPO provided.
  • Repayment period is considered by LPO and usually 1-3 months.
  Requirements
  • 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

Features
  • Instant loan.
  • For water harvesting.
  • Repayment period 24 months.
  Requirements
  • 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

Features
  • Covers 7 people.
  • Outpatient Ksh 50,000.
  • Inpatient  Ksh 250,000.
  • Burial arrangements Ksh 50,000.
  Requirements
  • 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

Features
  • Affordable loan.
  • To settle patient bills.
  Requirements
  • One must be a member.
  • One must have shares.
  • One gets loan up to 3 times the value of the shares (deposits).
what we’re offering

We’re giving all the insurance services to you

Car insurance

Car insurance

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Life insurance

Life insurance

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Home insurance

Home insurance

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Health insurance

Health insurance

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Business insurance

Business insurance

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Fire insurance

Fire insurance

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Marriage insurance

Marriage insurance

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