Fosa Loan

• Maximum repayment period is 96 months.
• Minimum salary if the loan is through check off system should be 1/3rd of the basic salary
• Requires 4 guarantors
• For top up, one must have repaid the loan for one year.
• 6 times your savings.

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Fosa Premium Loan

• Loan is granted three times of the deposits
• Require 3 guarantors who must are members
• Repayment period is 36 months.
• Loan processed within 24 hrs.

Requirements

• 6 months regular savings contribution in the premium account.
• Cash deposits must have been in the account for at least 6 months
• Applicant must fill an affidavit form.

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Group premium Loan

• Loan is granted to groups to purchase land
• The land should have free hold title deed
• Group members must be 6 and above
• Loan is granted 3 times each member deposits
• Secured by group deposits and title deed
• Repayable in 36 months

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Mkopo Mashinani

This is a product for members of registered self-help groups.

• Entrance fee is kshs. 350 per member
• Requires one to save regularly for six weeks in order to qualify for a loan
• Affordable minimum weekly deposits contribution of kshs. 100
• Loan granted is five times your deposits
• Maximum repayment period is 18 months
• Secured by guarantors and chattel mortgage
• Loan must be insured

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Fosa Flex Loan

• Maximum repayment period is 84 months.
• Minimum salary if the loan is through check off system should be 1/3rd of the basic salary
• Requires 4 guarantors
• For top up, one must have repaid the loan for one year.
• 5 times your savings

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Premium emergency loan

• Loan is repayable within 12months.
• Three (3) guarantors.
• Processed the same day on application.
• Loans outstanding should not exceed three (3) times the member’s deposits.
• The loan has no maximum amount and depends on one’s ability to pay.

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Bima Loan in partnership with TOWER TECH

Premium financing provides a short term loan for businesses and individuals to use specifically to pay for asset insurance coverage.

• A member is required to have deposits.
• Loan is 3 times the deposits.
• Flexible financing terms for a period of up to 12 months

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Boresha Mama

Women wish to own small business or own a business and wish to boost it, The member must have an active account OR must save for at least three months

• Must have an active and running business within the locality
• Normal appraisal will be done to the member applying for the loan to establish their ability, their residence and business sites must be visited.
• 3 Times member deposits
• Ksh.10,000 to Ksh.50,000
• Loan term to be a Maximum of 18 Months
• Own Deposits
• Minimum of 3 Guarantors
• Business stocks
• Acceptable Movable Chattels

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Fosa Emergency 24

• No maximum amount.
• Maximum repayment period is 36 months.
• Minimum salary is Kshs.3,000.

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Vuka Loan

This loan will be available to all employees whose employers have signed an agreement to process and remit the monthly installments directly to the bank. They Include:

1. 1. TSC employees.
   2. County Government employees
   3. National Government employees.
   4. Mainstream Parastatal employees i.e. KFS, KWS, KARI, KARLO and KEFRI amongst Others.

Features:-

• The check off/MOU arrangements must be in place.
• Maximum loan repayments period of 84 Month depending with age to retire.
• Maximum loan amount of Ksh 3,500,000.
• Loan must be fully booked before disbursements.

Benefits:-

• • Your salary and the MOU act as the security.
  • Faster and friendly processing.

Requirements:-

• Member to open account and Buy shares of Ksh 10,000 and raise a Non withdrawable deposit of ksh 20,000.
• Check off loan application forms duly completed in triplicate.
• A 1/3 rule must be observed.
• Three (3) latest certified pay slips.
• Certified Account statements for the last (3) months.

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