Get Fast, Flexible Loans Designed for Your Real Life
OASIC SACCO gives you access to affordable, flexible loans designed around your life—not complicated banking systems.
Whether you’re growing your business, handling an emergency, or investing in your future, we make it simple to get the support you need—fast.
💡 Because your goals shouldn’t wait.
What Loans do we have for You?
Here are the different types of loans you can access from OASIC SACCO, designed to meet you exactly where you are.
Normal Loan
Ideal for business growth, restocking, or personal development, this loan allows you to borrow up to 3× your savings at low, competitive interest rates with flexible repayment options.
Key Features
- Affordable interest rate
- Flexible repayment period of up to 36 months
- Loan amount of up to three (3) times your savings/shares
- One-month grace period (you start repaying after one month)
- Insurance cover against death and permanent disability
Asset Finance Loan (Mali Loan)
Dreaming of income-generating assets?
We finance cars, bodabodas, business and salon equipment, industrial machinery, and even land—helping you grow your income and improve your livelihood.
Key Features
- Affordable interest rate
- Flexible repayment period
- One-month grace period
- Financing of up to 70–80% of the asset value
Okoa Loan
This is an instant M-PESA loan designed to help you meet short-term financial needs. Funds are sent directly to your phone within minutes.
📱 Dial: *875#
📞 Helpline: 0794 541 320
Key Features
- No appraisal
- Instant access
- Affordable interest rate
Emergency Loans
Life doesn’t wait—and neither should your support.
Get fast access to funds when you need them most—medical bills, school fees, or urgent situations.
Key Features
- Disbursement within 24 hours
- No security required
- No appraisal
- Quick and convenient
Loan Sosa (Top-Up Loan)
Even the best plans can need a boost. Loan Sosa is a top-up loan for members who already have an active loan but need additional funding before completing repayment.
Key Features
- Affordable interest rate
- Flexible repayment period
- Convenient and member-friendly
Group Loans
We advance loans to registered groups based on their collective needs while empowering them with knowledge to grow together.
Key Features
- Free financial skills training
- Flexible weekly contributions
- Flexible loan repayment
- Affordable interest rate
Why Choose OASIC Loans?
Fast, flexible, and affordable loans designed with you in mind.
Fast processing (some loans within 24 hours)
Flexible repayment terms
Affordable interest rates
Member-first approach
No unnecessary bureaucracy
Hey, Wait, That’s not all
At OASIC SACCO, we don’t just treat you as a borrower — we treat you as an investor.
Here’s how else you benefit when you join us:
01. Dividends
Earn handsome dividends on your deposits every year. We are proud to have received awards for paying some of the highest dividend rates in the county.
02. Investment Opportunities
We keep you informed about emerging investment opportunities through our forums and member engagements.
03. Financial Literacy
We educate you on money matters — helping you get more value from your payslip or business income and make smarter financial decisions.
Transparent terms. No hidden charges. No surprises.
Who Can Apply? — Loan Eligibility at OASIC SACCO
“Your pathway to affordable loans starts with just a few simple steps.”
Membership Requirements
- Active OASIC SACCO member
- Minimum savings period of 6 months
- No overdue or pending loan
Financial Requirements
- Loan limit based on savings and repayment capacity
- Guarantors where required
Documentation
- Duly filled loan application form
- National ID or Passport
- Recent passport photo
- Payslip or proof of income
- Business permits/records (where applicable)
Other Conditions
- Loan must fall within SACCO limits
- Commitment to repayment schedule
- Subject to credit appraisal
Your dreams matter — and we are ready to fund them.
Join OASIC SACCO today and experience affordable credit, real support, and a partnership that grows with you.
Ready to Get Started?
Don’t let lack of capital slow you down.
Join OASIC SACCO today and access affordable loans built for your growth.
| 👥 Membership | 💰 Financial | 📑 Documentation | ⚖️ Other Condition |
|---|
| ✅ Active Oasics SACCO member ✅ Savings for at least 6 months ✅ No pending arrears | ✅ Loan limit based on savings & repayment capacity ✅ No overdue loans ✅ Guarantors where required | ✅ Filled loan application form ✅ National ID/Passport & photo ✅ Payslip / income proof ✅ Business permits/records (if applicable) | ✅ Loan within SACCO limits ✅ Commitment to repayment schedule ✅ Subject to credit appraisal |