Loans

4NTE SACCO

LOAN PRODUCTS

At 4NTE SACCO, we understand that every member's financial needs are unique. That's why we offer a variety of loan products designed to meet different requirements, including personal loans, business loans, education loans, and emergency loans. Each loan type comes with competitive interest rates and flexible repayment terms to ensure you can manage your finances comfortably.

SCHOOL FEES LOAN

Loan payable within 12 months
Loan processed the same day
The interest rate shall be 1% per month on declining balance
Granted to a maximum Ksh. 200,000

CONSOLIDATION

All members loan are consolidated to one loan for cheaper repayment.
Loan payable within 60 months
The interest rate shall be 1% per month on declining balance
Amount granted is depends with all the other loan balances.

EMERGENCY LOAN

Loan processed the same day
Competitive interest rate
Maximum repayment period is 18 months
Granted to a maximum of Ksh. 300,000

TOP–UP LOANS

Done on normal loan after one year repayment
Loan payable within 60 months
The interest rate shall be 1% per month on declining balance
Amount granted is indefinite.

NORMAL LOAN

Loan granted is 4 times the member’s shares
Maximum repayment period is 60 months
The interest rate shall be 1% per month on declining balance
Top up allowed after repaying for one year
Amount granted is indefinite.

SUPER SAVER LOAN

Granted to members whose savings are Ksh. 1,000,000 and above
Loan payable within 72 months
The interest rate shall be 0.67% per month on declining balance
Minimum loan is Ksh. 2,500,000

ADVANCE

Recoverable within a period of 4 months
Granted to a maximum of Ksh. 20,000
Competitive interest rate

MICRO-CREDIT

To qualify for a loan one must have saved for at least 8 weeks
The loan must be discussed and approved by the group members and officials
All the individuals who meet the above requirements qualify for the loans as follows:

Ksh. 30,000- first loan(character loan)

Ksh. 60,000-second loan

Ksh. 100,000

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Most Asked Questions

Do NOT hesitate to get in touch if you have any question. We are online are will reply to your query. Meanwhile, take a peep into some of the frequently asked questions:

To become a member, you need to fill out a membership application form, provide necessary identification documents, and pay the required membership fee and share capital. You can find detailed instructions and the application form on our website or visit any of our offices for assistance.

4NTE SACCO offers a variety of loan products including personal loans, business loans, education loans, and emergency loans. Each loan product has specific requirements and competitive interest rates designed to meet the diverse needs of our members.

You can apply for a loan by visiting our website and filling out the online loan application form, or by visiting one of our offices to apply in person. Ensure you have all necessary documents, such as identification, proof of income, and any other required paperwork.

We offer several savings plans tailored to different financial goals, including regular savings accounts, fixed deposit accounts, and target savings plans. These plans provide competitive interest rates and flexible terms to help you grow your savings effectively.

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Why Us

At 4NTE SACCO, we pride ourselves on delivering exceptional financial and transport services to our members. Our growth and impact are reflected in the following key statistics, which highlight our commitment to member satisfaction, financial stability, and community development. These numbers showcase our dedication to providing reliable services and empowering our members to achieve their financial goals.

Sacco Members

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Years of Operation

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Fleet of Vehicles

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Guaranteed Loans

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