Loan Products

Home Loans
What we offer

Borrow wisely, at rates that work for you

All facilities are charged on a reducing-balance basis. Click a product to view its full terms, then download and complete the loan application form.

Loan Application Form

  • Maximum loan limit: four times deposit contribution (minimum amount disbursed Ksh 500,000)
  • Repayment tenure: 60 months
  • Interest rate: 1.25%/month (15% p.a) on reducing balance
  • Loan processing fee: 1% of loan amount, maximum Ksh 10,000
  • Top-up after 6 months
  • Top-up fee: Ksh 5,000
  • Minimum share capital Ksh 50,000 may be deducted from loan amount requested
  • Minimum share contribution after disbursement: strictly 1% of loan amount per month
  • Collateral provision for facilities above Ksh 5 million (framework under development); guarantors accepted in the interim
  • Serviceability terms and conditions remain unchanged
Download application form

  • Maximum loan limit: three times deposit contribution
  • Repayment tenure: 48 months
  • Interest rate: 1%/month on reducing balance
  • Loan processing fee: 1% of loan amount, maximum Ksh 3,000
  • Top-ups eligible after 6 months repayment (minimum take-home Ksh 100,000)
  • Top-ups before six months attract a charge of Ksh 2,000
  • Minimum share capital Ksh 30,000
Download application form

  • Maximum loan limit: Ksh 200,000
  • Repayment tenure: 12 months
  • Interest rate: 2%/month on reducing balance
  • Loan processing fee: Ksh 1,000
  • Top-ups eligible after six months repayment (minimum take-home Ksh 50,000)
  • Minimum share capital Ksh 30,000
Download application form

  • Maximum loan limit: Ksh 100,000
  • Repayment tenure: 3 months
  • Interest rate: 1.5%/month on reducing balance
  • Loan processing fee: Ksh 1,000
  • No option for loan top-up
Download application form

  • Repayment term: one-off
  • Limit: 50% of member net salary
  • Maximum amount up to total member share contribution
  • Interest rate: 10%
Download application form

  • First half of the year: 6 times monthly holiday savings
  • Second half of the year: 12 times monthly holiday savings
  • Maximum tenure: 12 months
  • Interest rate: 10%/month on reducing balance
  • No loan processing fee
  • Top-up eligible after one month
  • No top-up fee
Download application form

  • Maximum loan limit: Ksh 500,000
  • Repayment tenure: 12 months
  • Interest rate: 1%/month on reducing balance
  • Loan processing fee: Ksh 1,000
  • Top-ups eligible after 3 months repayment
  • Minimum share capital Ksh 30,000
Download application form

  • Maximum loan limit: total deposit contribution
  • Maximum tenure: 6 months
  • Interest rate: 1.25%/month on reducing balance
  • Loan processing fee: Ksh 1,000
  • Top-up eligible after 3 months repayment
  • Top-up fee: Ksh 2,000
  • Share capital cap Ksh 30,000
Download application form

  • Maximum loan limit: up to your deposit contribution
  • Repayment tenure: 6 months
  • Interest rate: 2%/month on reducing balance
  • Loan processing fee: Ksh 1,000
  • No top-ups
  • Minimum share capital Ksh 30,000
Download application form
Plan ahead

Estimate your repayment

Reducing-balance estimate based on the amount, period and monthly rate you choose. Final terms are confirmed on application.

36 months · 1.25%/mo
Est. monthly repayment
Ksh 0
Total interest: Ksh 0

Indicative estimate on a reducing-balance basis. Final terms, limits and eligibility are confirmed on application.

Need help choosing a facility?

Talk to our team on 0700 370137 / 0700 350722 or email customercare@blueaglesacco.co.ke.

Contact us
Design preview — for client review