Access fast, flexible, and member-friendly loans designed to meet your personal and development needs. As an RFS SACCO member, you borrow against your savings with competitive rates and support from a team that understands you.

Our Loan Products

1. Salary Loans: Sort out short-term needs without the stress. Borrow against your monthly salary with quick approval and automatic deductions. Perfect for school fees, medical bills, or urgent personal expenses.

2. Development Loans: Fund your big goals — whether it’s land, construction, business expansion, or asset purchase. Includes secured and asset-financed options for higher amounts. Build your future with repayment terms that work for you.

3. Emergency Loans: When the unexpected happens, we’re here. Get quick financial relief for medical emergencies, bereavement, or urgent repairs. Minimal paperwork, fast disbursement.

Why Borrow with RFS SACCO?

1. Competitive Interest Rates: From just 10%, 11%, or 12% depending on loan type
2. Flexible Repayment: Terms of up to 24 months to suit your budget
3. Quick Processing: Loan approval and disbursement in up to 24 hours
4. Member-Friendly Security: Borrow against your savings with minimum collateral options

Ready to Apply?

Visit the SACCO office or contact our Member Support team to start your application. We’ll guide you through eligibility, requirements, and repayment planning.Terms and conditions apply. You must be an active RFS SACCO member with consistent savings to qualify.