Borrow
Your SACCO borrowing capability. Build readiness through your contributions and capital; borrow when eligible; repay on the plan you choose.
No active facility
Borrowing unlocks once you meet the readiness factors. When you have an active facility, you'll see balance, next installment, and repayment schedule here.
Your borrowing readiness
Not yet evaluated
Build by completing Setup Fee, paying down Capital, and contributing monthly
How borrowing works
Build readiness
Qualify by tenure (6+ months), consistent contributions, settled capital, and ACTIVE membership standing.
Apply when eligible
Submit a request through your SACCO. The eligible amount is your contribution-multiplier × tier multiplier.
Repay on schedule
Choose your repayment plan — installments are deducted per your cadence. On-time repayment grows your readiness for next time.
When you have a facility
These surfaces become useful once you've borrowed. They're reachable now so you can preview the structure.