MSD SACCOS
Loan products
Borrow on clear, published terms
Every rate and fee below is exactly what you'll be offered — nothing hidden, nothing negotiated case by case.
Mkopo wa Dharura – Emergency Loan
Quick loan for medical and family emergencies. Up to 2× savings, one guarantor.
Interest rate
12% p.a.
Interest method
Flat Interest
Amount range
100,000–3,000,000
Maximum term
12 Monthly
Application fee
5,000.00
Processing fee
10,000.00
Late payment penalty
2%
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Mkopo wa Elimu – School Fees Loan
School and college fees paid within the academic year.
Interest rate
12% p.a.
Interest method
Reducing Balance Interest
Amount range
200,000–8,000,000
Maximum term
12 Monthly
Application fee
5,000.00
Processing fee
0.5%
Late payment penalty
2%
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Mkopo wa Maendeleo – Development Loan
Long-term loan for building, land, vehicles and business investment. Up to 3× savings, two member guarantors.
Interest rate
14% p.a.
Interest method
Reducing Balance Interest
Amount range
500,000–40,000,000
Maximum term
36 Monthly
Application fee
10,000.00
Processing fee
1%
Late payment penalty
2%
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Tuliza Moyo
Mambo ya kumwagilia moyo yanaweza kutulizwa hapa
Interest rate
5% p.a.
Interest method
Simple Interest
Amount range
100,000–500,000
Maximum term
1 Monthly
Late payment penalty
1%
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