Emergency Loan
For urgent personal or business emergencies.
Terms being confirmed
Who it is for
Members facing a genuine emergency who need more than Jiokoe but for a shorter period than the business loans.
What it is for
Hospital bills, a funeral contribution, a sudden loss of stock or another emergency that cannot wait.
How to apply
- Be an active member who has completed 4 consecutive months of saving To be confirmed.
- Talk to your field officer or visit your nearest office — say you want the Emergency Loan.
- Fill the loan application form at the office. The Sacco may visit your business and may ask for guarantors.
Before you borrow
Interest, fees and penalties are set out in the product schedule and the loan form you sign — ask the field officer to walk you through every figure. If a loan is not repaid, the Sacco can recover it from your savings and shares, then from your guarantors'. Details here are for information, not an offer, and can change.
Figures from the October 2026 product list — pending the signed schedule.