Regulated Savings & Credit Cooperative

Loans built around your life, not the other way around.

Voice of Growth members save together and borrow on fair, transparent terms — with a clear repayment plan you can see before you apply.

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12%Development Loan p.a.
15%Emergency Loan p.a.
30 daysInstant Loan term
Sample Repayment Snapshot
Loan productDevelopment Loan
PrincipalKES 150,000
Term12 months
Monthly installmentKES 14,000

Illustrative figures. Log in to use the live loan calculator.

Licensed SACCO cooperative Member-owned, not-for-profit Transparent flat-rate pricing No hidden penalties
Loan Products

Three loan products, one straightforward process

Every figure below is calculated on a flat rate, so what you see is what you repay. Full breakdowns — including your exact installment schedule — are available in your dashboard.

Long-term

Development Loan

12% p.a., flat

For asset building, school fees, business capital or home improvement.

  • Borrow up to 4× your total savings
  • Repay over 6 – 12 months
  • 2% processing fee, deducted at disbursement
  • Three guarantors required
  • 5% monthly penalty on principal if not repaid within 12 months
Apply for this loan
Fast payout

Emergency Loan

15% p.a., flat

For urgent, unplanned needs — medical bills, emergencies, short-notice costs.

  • Borrow up to 2× your total savings
  • Repay over 1 – 6 months
  • 1.5% processing fee, deducted at disbursement
  • Two guarantors required
Apply for this loan
Instant

Instant Loan

5% one-time fee, no interest

For government employees and business owners — fast approval, single 30-day term.

  • Fixed 30-day (1 month) term
  • No interest — 5% processing fee only
  • Repaid as a single lump sum
  • Two guarantors required
  • Government employees & business owners skip the shares-history wait
Apply for this loan
How It Works

From membership to disbursement in four steps

1

Register your membership

Complete the online registration form and start building your savings record.

2

Choose a loan product

Use the loan calculator in your dashboard to compare the Development and Emergency loans.

3

Apply with your guarantors

Submit the loan application online, or download the offline form to sign by hand.

4

Track repayment in your dashboard

See your loan status, days remaining and full installment schedule at a glance.

Ready to become a member?

Registration takes about five minutes — no paperwork required to get started.

Start Registration Renew Existing Membership