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Featured Loans

Agriculture Loan
2% p.m. (1.5% for some segments)

Agriculture Loan

Support for farm inputs, livestock, post-harvest and seasonal cashflow.

Docs: National ID, proof of project/activity, 2 guarantors or collateral.

School Fees Loan
2% p.m.

School Fees Loan

Fast support for tuition, scholastic materials and school requirements.

Docs: National ID, fees structure/invoice, 2 guarantors.

Commercial Loan
2% p.m.

Commercial Loan

Working capital, inventory, equipment and business expansion.

Docs: National ID, business evidence, 2 guarantors/collateral.

Boda Boda Loan
2% p.m.

Boda Boda Loan

Buy or improve a motorcycle for income.

Notes: Deposit UGX 1,500,000, 2 guarantors (KSACCO), 5 shares @ 10,000, National ID. Collateral often not needed.

Home Improvement Loan
2% p.m.

Home Improvement Loan

Finish, repair or extend your home with flexible repayments.

Notes: Regular or irregular repayments for income-earning homeowners.

Emergency Loan
2% p.m.

Emergency Loan

Quick relief for medical, family and urgent expenses.

Docs: National ID, brief justification, 2 guarantors.

Salary Loan
2% p.m.

Salary Loan

Bridge your monthly cashflow with confidence.

Docs: Current payslip, 2 guarantors (KSACCO), passport photo, National ID, 5 shares @ 10,000.

2% p.m. • Women only

Bakazi Batunguke Loan

A dedicated loan product designed to empower women with affordable capital to start, expand, or strengthen their businesses.

2% p.m

Tuku Tuku Loans

A dedicated loan product designed to Affordable financing to buy or upgrade a three-wheeler (tuku tuku) for business income.

2% p.m.

CCTV camera loans

Get secured financing to install CCTV cameras for your home, shop, school or business.
Docs: National ID, quotation for CCTV system/equipment, 2 guarantors.

Other Loan Products

ProductRate (per month)
Business loans2%
Solar loans2%
Group / institution loans2%
Asset acquisition loans2%

Eligibility & Documents

  • Aged 18+ and of sound mind
  • KSACCO shareholder — shares commensurate with amount (each share UGX 10,000; lending capacity UGX 200,000 per share)
  • Good credit history; guarantor is not a defaulter
  • Must have saved with KSACCO
  • Engaged in legal, verifiable activity/project with income to repay
Bring your National ID and two guarantors (where applicable).

How to Apply

Choose a loan

Pick what fits your need.

Share details

ID & contacts.

Provide security

Guarantors / collateral.

Assessment

We review & approve.

Disbursement

Funds released quickly.

Frequently Asked Questions

How much can I borrow? It depends on your savings, shares and repayment capacity. Visit a branch for assessment.
How long is the repayment period? Varies by product. We match instalments to your cashflow.
Do I need collateral? Some products accept guarantors instead (e.g., Salary/Boda). Larger amounts may require collateral.
Can groups apply? Yes—Group/Institution loans are available at 2% p.m.
How fast is disbursement? Qualifying loans can be processed within the same day.
Ready to apply? Talk to a loan officer or submit your request now.