0718 423 941 info@ramcogroupsacco.co.ke KCB Building, 6th Floor, Garage Road, Industrial Area, Nairobi
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Loan Products

Long-term financing for life's big plans, and short-term facilities when you need funds fast.

Loan Products

RAMCO Group SACCO offers a range of guarantor-secured loan products designed around our members' real needs - from long-term development financing to fast, short-term facilities. All rates below are reducing balance and confirmed directly by the SACCO.

Development Loan

Finance development projects and long-term investments.

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Up to 60 months at 1.125% p.m. reducing balance, up to 3× your deposits.
Requires 8 guarantors and a 1% insurance charge, deducted upfront.

College Loan

Provides financing for college and higher education expenses.

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Up to 18 months at 1.125% p.m. reducing balance, up to 3× your deposits.
Requires 8 guarantors and a 1% insurance charge, deducted upfront.

Household Loan (brochure: "Item Loan")

A convenient loan facility for purchasing household items and personal needs.

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Up to 24 months at 1.125% p.m. reducing balance, up to 3× your deposits.
Requires 8 guarantors and a 1% insurance charge, deducted upfront.

Normal Loan

A flexible loan to meet personal, family, or investment needs.

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Up to 48 months at 1.125% p.m. reducing balance.
Requires 8 guarantors and a 1% insurance charge, deducted upfront.

Not listed in the 2026 brochure; included per the SACCO's website content brief.

School Fees Loan

Finance school fees and education-related expenses.

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Up to 12 months at 1% p.m. reducing balance, up to 3× your deposits.
Requires 8 guarantors.

Emergency Loan

Provides quick financial assistance during emergencies.

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Up to 12 months at 1.25% p.m. reducing balance, up to 3× your deposits.
Requires 8 guarantors.

Flash Advance Loan

Access funds quickly for urgent short-term needs.

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Up to 6 months at 5% p.m. reducing balance.
Requires 3 guarantors, appraised on ability to pay.

Instant Loan (Katawaya)

Quick financing for urgent needs, disbursed via mobile wallet.

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Up to 4 months at 10% p.m. reducing balance.
Requires 2 guarantors, appraised on ability to pay.

Mobile Loan

Instant, self-application loan via mobile wallet - the fastest way to borrow.

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1-month term at 10% p.m., minimum Kes 2,000.
Self-guaranteed and disbursed instantly via mobile wallet.
Loan ProductInterest RateMultiplierRepayment PeriodSecurity
School Fees Loan1% p.m.3× deposits12 monthsGuarantors
Emergency Loan1.25% p.m.3× deposits12 monthsGuarantors
Flash Advance Loan5% p.m.Ability to pay6 months3 guarantors
Instant Loan (Katawaya)10% p.m.Ability to pay4 months2 guarantors
Mobile Loan10% p.m.Min Kes 2,0001 monthSelf-guarantee
Plan Ahead

Estimate your loan repayment

Use this quick calculator to get a rough sense of your monthly instalment and total repayable amount. This is an estimate only - your actual figures depend on the SACCO's official appraisal and current lending policy.

Loan Calculator

Get an instant repayment estimate

This calculator provides an illustrative estimate using a reducing-balance method and does not constitute a loan offer. Final terms are subject to SACCO appraisal, guarantor availability and board approval.

Ready to apply?

Download the loan application forms or become a member to get started.

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