Loans are extended to only members who have spent atleast 3 months in the SACCO at an interest rates of one month 1%, 2 months 2% three months 3% (short term loans 1-3 Months),10% (4-12 Months), 15% (13-24 Months) and 20 %( 25-36 Months). Loan processing fee of 1% is charged.