Six loans, one simple rule: fully secured, fairly priced
Every facility below is sized against your savings, a title deed, or a logbook, and processed in days rather than weeks.
Not sure where to start? Your borrowing power is tied to your savings balance. Build your savings first, and the loan amounts below scale up with it automatically.
Business Loan
Grow your business with a fast, savings-backed loan sized to what you've already saved.
Loan amount
Up to 3x your savings
Interest rate
1.25% per month
Repayment
Up to 24 months
Processing time
Within 7 working days
Security required
- Member savings
- Title deed (where applicable)
Ideal for
Stocking inventory, expanding a shop, or covering working capital for an existing business.
Development Loan
A longer-term facility for building, renovating, or land development projects.
Loan amount
Up to 3x your savings
Interest rate
1% per month
Repayment
Up to 36 months
Processing time
Within 7 working days
Security required
- Member savings
- Title deed
Ideal for
Construction, home improvement, or acquiring land and other development projects.
Asset Finance
Finance for vehicles, machinery, and other productive assets, repaid over a year and a half.
Loan amount
Based on asset value and savings
Interest rate
1.5% per month
Repayment
Up to 1.5 years (18 months)
Processing time
Within 7 working days
Security required
- Member savings
- Logbook of financed asset
Ideal for
Buying a vehicle, motorbike, or equipment for personal or business use.
“KES 4.2B+ disbursed to members building businesses, homes, and futures.”
Every loan below is sized against what you’ve already saved
Emergency Loan
Quick relief for urgent, unplanned needs — approved and disbursed the same day.
Loan amount
Up to 75% of your savings
Interest rate
3% per month
Repayment
Up to 90 days
Processing time
Within 24 hours
Security required
- Member savings
Ideal for
Medical bills, urgent family needs, or other emergencies that can't wait.
Education Loan
Keep tuition and school fees paid on time for yourself, your children, or your dependents.
Loan amount
Up to 2x your savings
Interest rate
3% per month
Repayment
Up to 90 days
Processing time
Within 48 hours
Security required
- Member savings
Ideal for
School and college fees, exam fees, and other education-related costs.
Logbook Loan
Unlock cash against a vehicle you already own, while you keep driving it.
Loan amount
Up to 60% of the vehicle's value
Interest rate
3% per month
Repayment
Up to 12 months
Processing time
Within 7 working days
Security required
- Vehicle logbook
Ideal for
Members who own a vehicle outright and need a lump sum secured against it.
Loan product FAQs
The questions members ask most often about borrowing at Trintus.
Your loan limit is a multiple of your savings balance at the time of application, for example, up to 3x for a Business or Development Loan, or up to 2x for an Education Loan. Emergency loans are based on a percentage of savings instead.
New members typically build a short savings history before qualifying for larger facilities. Emergency and Education loans can often be accessed sooner given their shorter terms. Speak to a branch officer for your specific eligibility.
Contact your branch as soon as you anticipate a missed payment. The Sacco can review your repayment schedule, but persistent default may affect your loan limit and use your savings or guarantors as security.
Yes. Early repayment is welcome and reduces the total interest paid, since interest is charged on the reducing balance.
Most loans here are secured by your own savings, a title deed, or a logbook rather than guarantors. Specific products may still require a guarantor depending on the amount requested relative to your savings.
Ready to apply?
Reach out to a branch officer and we'll help you pick the right facility.