Loan Products
Banking built for
every Kenyan family.
Loan products designed around how you earn, save and live — from long term loans to school fees and emergency credit. SASRA-regulated, affordable, and always fair.
See your repayment instantly.
Move the sliders — we'll work out a fair, transparent monthly payment with no hidden fees.
Indicative only. Final terms depend on member status, shareholding, and creditworthiness. Subject to SASRA prudential rules.
All Products
Find the right loan
for your situation.
Development
Loan.
Our flagship product for members who want to invest in themselves, their home or their business. With up to 4 times your savings as borrowing power and repayment spread over 48 months, the Development Loan is the most versatile product in our portfolio.
Loan Details & Rates
| Detail | Information |
|---|---|
| Maximum amount | 4× total savings |
| Repayment period | Up to 48 months |
| Interest rate | Competitive (see branch) |
| Guarantors | or security |
| Processing time | 1 - 60 days |
| Processing fee | Applicable |
School Fees
Loan.
Education is an investment no family should have to delay. Our School Fees Loan lets members cover tuition from primary school all the way through university, with repayment structured around school terms so it doesn't overwhelm your monthly budget.
Loan Details & Rates
| Detail | Information |
|---|---|
| Maximum amount | Based on savings & need |
| Repayment period | Per term / up to 12 months |
| Interest rate | Competitive (see branch) |
| Guarantors | 1–2 members |
| Processing time | 2–3 working days |
| Early repayment | No penalty |
Emergency
Loan.
Life is unpredictable. Our Emergency Loan is designed to get money into your hands within 24 hours of a successful application — for medical bills, funeral expenses, urgent repairs or any sudden financial need. Minimal documentation required.
Loan Details & Rates
| Detail | Information |
|---|---|
| Maximum amount | Based on savings |
| Repayment period | Up to 6 months |
| Interest rate | Competitive (see branch) |
| Guarantors | Minimal / as applicable |
| Processing time | Within 24 hours |
| Eligibility | No active arrears required |
Salary
Advance.
For civil servants, teachers, company employees and other salaried members. Borrow against your verified salary and repay in convenient monthly deductions — simple, dignified, affordable.
Loan Details & Rates
| Detail | Information |
|---|---|
| Maximum amount | Up to 50% of gross salary |
| Repayment period | Up to 12 months |
| Interest rate | Competitive (see branch) |
| Repayment method | Payroll / check-off deduction |
| Processing time | 3–5 working days |
| Requirement | Employer authorization letter |
Milk & Agri
Loan.
Purpose-built for the dairy and agricultural communities that founded Fariji DT Sacco. Get a cash advance on your milk deliveries or crop earnings and use it for farm inputs, equipment or household needs — repayable when your milk cheque or harvest income arrives.
Loan Details & Rates
| Detail | Information |
|---|---|
| Maximum amount | Based on milk deliveries |
| Repayment period | Milk cycle / up to 12 months |
| Interest rate | Low rate (see branch) |
| Guarantors | 1–2 members |
| Processing time | 3–5 working days |
| Requirement | Cooperative membership proof |
Special
Loan.
For members with unique financial needs that fall outside our standard products, the Special Loan is reviewed individually by our credit committee. If you have a specific goal and a credible plan, we will listen and work with you to find a solution.
Loan Details & Rates
| Detail | Information |
|---|---|
| Maximum amount | Committee decision |
| Repayment period | As agreed with committee |
| Interest rate | As per credit assessment |
| Guarantors | As required by committee |
| Processing time | Subject to committee schedule |
| Requirement | Detailed loan request letter |
Application Process
How to apply in
4 steps.
Talk to Us
Visit any branch or reach us on WhatsApp to pick up the right application form for your loan.
Complete & Attach Documents
Fill in all sections completely. Attach your National ID copy, payslips or farm records as applicable.
Get Your Guarantors
Have the required number of guarantors (fellow Fariji members) sign and submit their IDs with you.
Submit & Wait
Submit to any branch. Our credit team will review and communicate a decision within the stated processing time.
Who Can Apply
Eligibility &
requirements.
Basic Eligibility
Documents Required
Ready to apply?
Reach out and our credit team will guide you to the right loan, help you gather the right documents, and walk you through every step.