Jiokoe Instant Loan
A small, short-term loan for urgent daily needs.
Loan products
From a Ksh 1,000 top-up to Ksh 1,000,000 of asset financing. Save first, then borrow — your savings record is your credit record.
Before you look at the amounts
- You qualify for a first loan after 4 consecutive months of saving To be confirmed.
- Interest, fees and guarantor rules are set by the signed product schedule — the figures below are being confirmed against it To be confirmed.
- There is no online loan application yet. Apply through your field officer or at an office.
- If a loan is not repaid, the Sacco can recover it from your savings and shares, then from your guarantors'. Borrow what the business can repay.
Emergency Loan
For urgent personal or business emergencies.
School Fees Loan
Spread school fees over the year instead of paying in one go.
Inuka Loan
First step up: stock, equipment or a small expansion.
Wezesha Loan
A bigger step for a business that is already moving.
Boresha Loan
Improve or expand premises and operations.
Imarisha Loan
Consolidate a strong business position.
Asset Financing Loan
Finance a vehicle, machine or other income-earning asset.
Not a member yet?
Loans are for members. Join, build 4 months of savings, then apply.