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FOSA
Loan Products
We have an interesting array of competitive loan products. Our Loan Products are among the most competitively priced loans in the market. The majority of our loans are secured using members’ shares. However we are flexible enough to consider alternative forms of loan security including collateral and salary guarantees.
Salary Advance Loan
This loan is given to any member of the Univision Sacco who meets the requirements.
Loan Requirements
- Maximum amount depends on ability to pay
- Salary to be channeled through FOSA
- Subject to member's ability to pay
- Repayable within 5 months
Loan Application
You can apply for this loan by filling and submitting the loan application form.
Hekima Loan
This loan is given to any member of the Univision Sacco who meets the requirements.
Loan Requirements
- Online loan
- Maximum amount depends on ability to pay
- Salary to be channeled through FOSA
- Subject to member's ability to pay
- Repayable within 36 months
- Online guarantorship
Loan Application
You can apply for this loan using our mobile banking service.
Special Loan
This loan is given to any member of the Univision Sacco who meets the requirements.
Loan Requirements
- Online loan
- Maximum amount depends on ability to pay
- Salary to be channeled through FOSA
- Subject to member's ability to pay
- Repayable within 12 months
- Online guarantorship
Loan Application
You can apply for this loan using our mobile banking service.
SMART FOSA Loan
This loan is given to any member of the Univision Sacco who meets the requirements.
Loan Requirements
- Repayment period 60months
- Fosa deposits ( FOSA savings, smart fix savings, saving multiplier of 1.5 times the FOSA savings
- Monthly running standing order of 500 towards the FOSA/deposits/savings
- The salary must be channeled through the Sacco i.e point must be in Sacco
- Security : Guarantors to cover the entire loan amount applied/ own free deposit that have not been used to guarantee other members of the Sacco.
Loan Application
You can apply for this loan by filling and submitting the loan application form.
Prime Loan
This loan is given to any member of the Univision Sacco who meets the requirements.
Loan Requirements
- Maximum amount depends on ability to pay
- Salary to be channeled through FOSA
- Subject to 1/3 of member’s net salary from employer
- Repayable within 18 months
Loan Application
You can apply for this loan by filling and submitting the loan application form.
Super Loan
This loan is given to any member of the Kitui Teachers Sacco who meets the requirements.
Loan Requirements
- Maximum amount depends on ability to pay
- Salary to be channeled through FOSA
- Subject to member's ability to pay
- Repayable within 24 months
Loan Application
You can apply for this loan by filling and submitting the loan application form.
Super E-Loan
This loan is given to any member of the Univision Sacco who meets the requirements.
Loan Requirements
- Online loan
- Maximum of Ksh. 300,000
- Repayable within 48 months
- Salary to channeled through FOSA
- Online guarantorship
Loan Application
You can apply for this loan using our mobile banking service.
M-PATA Loan
This loan is given to any member of the Univision Sacco who meets the requirements.
Loan Requirements
- Online loan
- Half of members salary after all deductions
- Bosa deposits *0.5 (1/2)
- Minimum amount Ksh. 500
- Repayable within 1 month salary
- Online guarantorship
Loan Application
You can apply for this loan using our mobile banking service.
