How PEWOSA SACCO Loans Work
Save Regularly
Build a savings history. Your savings multiplier determines how much you can borrow.
Check Eligibility
Speak with our Loans Officer to confirm your eligibility and the loan amount available to you.
Submit Application
Complete a loan application form and provide the required documentation.
Receive Funds
Upon approval, funds are disbursed to your account or collected from the office.
Our Loan Products
Salary Loan
Salaried EmployeesA fast and convenient loan for employed members with a regular, verifiable salary. Repayments are structured around your pay cycle for ease of management.
Employed SACCO member with regular salary. Minimum savings period required. Employer payslip or letter needed.
Repayment periods and interest rates are shared at application. Contact our Loans Officer for current terms.
- Quick processing for salaried applicants
- Structured monthly repayments
- No hidden charges
Business Loan
EntrepreneursCapital for small and growing businesses. Whether you're starting out or expanding, this loan helps you invest in stock, equipment, or working capital.
SACCO member engaged in a business activity. Business registration documents or trading evidence required. Adequate savings history.
Flexible repayment periods aligned to business cycles. Interest rates and multipliers confirmed at application.
- Supports business start-ups and expansion
- Flexible repayment aligned to cash flow
- Business advisory support available
Agriculture Loan
FarmersTailored financing for farmers and agribusiness operators. Cover the cost of seeds, fertilisers, tools, irrigation, and seasonal cash flow gaps.
Farming SACCO members with land access or active cultivation. Land documents, photographs, or LC letters may be required.
Repayment schedules are structured around harvest seasons. Visit us to discuss terms that match your farming calendar.
- Repayment aligned to harvest cycles
- Covers inputs, equipment, and labour
- Supports food security and income growth
Boda Boda Loan
Boda Boda RidersPurpose-built for boda boda riders to purchase a new motorcycle, repair an existing one, or manage transport business expenses.
SACCO member actively working as a boda boda rider. Boda boda stage membership or SACCo registration helps. Savings history required.
Daily or weekly repayment options available to match income patterns of riders. Speak with our Loans Officer for current rates.
- Helps purchase or upgrade your motorcycle
- Flexible repayment (daily/weekly options)
- Build a credit record for larger future loans
Taaka Loan
Emergency ReliefA short-term emergency loan providing quick financial relief when unexpected needs arise — medical bills, school fees, funeral costs, and other urgent situations.
Active SACCO member in good standing. Minimum savings balance required. For genuine emergency situations.
Short repayment period. Processed quickly — often within the same day for qualifying members. Terms shared at application.
- Fast processing for emergencies
- Available for genuine urgent needs
- Short, manageable repayment period
Youth Loan
Youth 18–35Empowering young members aged 18–35 to start businesses, pursue skills training, or invest in income-generating activities — with favourable terms for first-time borrowers.
SACCO member aged 18–35 with an active Youth Savings Account. Minimum savings period on the youth account applies.
Youth-friendly repayment schedules. First-time borrowers may qualify for graduated repayment. Visit us to discuss your plan.
- Designed for first-time borrowers
- Supports business start-ups and training
- Pathway to standard loan products
Not Sure Which Loan Is Right for You?
Talk to our Loans Officer. We'll help you understand your options, check your eligibility, and guide you through the application process at no charge.