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Member-owned progress for Kenyans everywhere

Loans

Borrow with purpose and a clear plan

Explore member credit opportunities responsibly. Official rates, limits, fees, periods and security requirements must be confirmed with SOS SACCO.

Loan products

A framework awaiting official terms

Each product card will be updated after SOS SACCO confirms the full product information.

Editable product

General member loan

Purpose
Contact SOS SACCO for current terms
Eligibility
Contact SOS SACCO for current terms
Repayment period
Contact SOS SACCO for current terms
Security
Contact SOS SACCO for current terms
Rate and fees
Contact SOS SACCO for current terms

Editable product

Goal-based loan

Purpose
Contact SOS SACCO for current terms
Eligibility
Contact SOS SACCO for current terms
Repayment period
Contact SOS SACCO for current terms
Security
Contact SOS SACCO for current terms
Rate and fees
Contact SOS SACCO for current terms

Editable product

Future loan product

Purpose
Contact SOS SACCO for current terms
Eligibility
Contact SOS SACCO for current terms
Repayment period
Contact SOS SACCO for current terms
Security
Contact SOS SACCO for current terms
Rate and fees
Contact SOS SACCO for current terms

Product calculators

Estimate repayments for each loan type

Illustrative estimates using the stated rates and maximum durations. Confirm official terms with SOS SACCO before borrowing.

Development loan calculator

14% per annum on a reducing balance, up to 60 months.

Monthly repayment

Ksh 2,327

Total repayable

Ksh 139,610

Rate applied

14% p.a.

Illustrative reducing-balance estimate at 14% per annum, excluding fees. Confirm official terms with SOS SACCO before borrowing.

Emergency loan calculator

12% per annum flat rate, up to 12 months.

Interest charged (flat)

Ksh 6,000

Monthly repayment

Ksh 4,667

Total repayable

Ksh 56,000

Illustrative flat-rate estimate at 12% per annum on the original loan amount, excluding fees. Confirm official terms with SOS SACCO before borrowing.

Salary advance calculator

15% per month, repayable within 30 days.

Interest charged

Ksh 3,000

Total repayable

Ksh 23,000

Rate applied

15% / month

Illustrative estimate at 15% per month, pro-rated daily, excluding fees. Confirm official terms with SOS SACCO before borrowing.

Plan carefully

Illustrative repayment estimator

Supply your own annual interest rate. The result is not an offer, quotation or approval.

Loan repayment estimator

Enter a rate yourself to activate.

Illustrative monthly estimate

Enter a rate

Illustrative estimate; confirm official terms with SOS SACCO. This assumes a reducing-balance calculation and excludes fees.

Interested in a member loan?

Share your interest with the team. Eligibility and official terms must be confirmed before any application.

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