+254 748 368 998
customercare@jhpsacco.org
Mon - Fri : 08:00 AM - 05:00 PM

Loan Products

Affordable Loan Solutions for Every Need

JHP SACCO offers a variety of loan products designed to meet your financial needs with competitive interest rates and flexible repayment terms. Whether you need funds for development, emergencies, education, or other purposes, we have a solution for you.

6

Lowest Interest Rate (%)

24

Hour Processing

3

Times Your Savings + 6X your shares

48

Months Max Repayment

Our Loan Products

Normal Development Loan

This product offers members or groups access to capital for their personal projects or investment. Ideal for business expansion, home improvement, or any development project.

Key Features:
  • Accessible up to 3 times of your deposits + 6X your shares
  • Interest rate from 0.5% to 1% per month on reducing balance
  • Maximum repayment period of 48 months
  • Processed and disbursed within 24 hours
  • 1% appraisal fee of the borrowed amount
Requirements:
  • Must be a registered SACCO member
  • Duly completed loan application form
  • Active membership with consistent savings

Loan Calculation Example

Estimated Monthly Repayment: KES 7,466

Total repayment: KES 358,368 (Including interest)

Apply Now

Emergency Loan

Designed for urgent financial needs, this loan provides quick access to funds with a shorter repayment period. Perfect for medical emergencies, unexpected expenses, or urgent situations.

Key Features:
  • Accessible up to 3 times of your deposits + 6X your shares
  • Interest rate of 0.75% per month
  • Maximum repayment period of 12 months
  • Processed and disbursed within 12 hours
  • Minimal documentation required
Requirements:
  • Must be a registered SACCO member
  • Duly completed emergency loan application form
  • Proof of emergency (if applicable)

Loan Calculation Example

Estimated Monthly Repayment: KES 8,745

Total repayment: KES 104,940 (Including interest)

Apply Now

Education Loan

Finance your education or your children's schooling with favorable terms. This loan helps you invest in knowledge for a brighter future without financial strain.

Key Features:
  • Accessible for any amount needed
  • Interest rate of 0.75% per month (9% per annum)
  • Repayment period of 12 months
  • Flexible repayment options
  • Can be used for tuition, books, and related expenses
Requirements:
  • Must be a registered SACCO member
  • Duly completed education loan application form
  • Proof of admission or school fee structure

Loan Calculation Example

Estimated Monthly Repayment: KES 13,117

Total repayment: KES 157,410 (Including interest)

Apply Now

Instant Loan

Get instant access to funds for immediate needs. This product is perfect for short-term financial requirements with a quick turnaround time.

Key Features:
  • Fixed interest rate of 10%
  • Repayment period of up to 4 months
  • Processed and disbursed within 12 hours
Requirements:
  • Must be a registered SACCO member
  • Duly completed instant loan application form
  • Active membership with consistent savings

Loan Calculation Example

Estimated Monthly Repayment: KES 27,500

Total repayment: KES 110,000 (Including interest)

Apply Now

Specialized Loan Products

5% p.a.

Shilingi Kwa Shilingi

Attracts an interest rate of 5% per annum repayable within 12 months. Perfect for short-term borrowing needs.

  • 5% annual interest rate
  • 12-month repayment period
  • Any amount accessible
Learn More
Top-Up

Top-Up Loan

Based on your repayment record, this product is offered at favorable rates with a repayment period of up to 48 months.

  • For existing loan customers
  • Favorable interest rates
  • Up to 48 months repayment
Learn More
Buy-Off

Loan Buy-Off

We buy off loans from other lending institutions at our normal rates, helping you consolidate your debts.

  • Debt consolidation
  • Normal SACCO rates
  • 48-month repayment period
Learn More

Simple Loan Application Process

1. Application

Complete the loan application form with required documents

2. Review

Credit committee reviews applications within 24 hours

3. Approval

Loan approval based on eligibility and available funds

4. Disbursement

Funds disbursed within 24 hours of approval

Start Your Application

JHP SACCO Logo

Promoting members' growth and development by providing real-time financial solutions, empowering them both economically and socially.

Address

Naivasha Road, McGregor One Building, 1st Floor
P.O Box 27731 - 00100 Nairobi

+254 748 368 998

customercare@jhpsacco.org

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Licensed by Ministry of Co-operatives & SACCO Societies Regulatory Authority