This is to target members who have huge outstanding loan balances and they may like to consolidate their loan in order
to get reprieve on their pays lip and access additional financing for their personal development. 

• Interest rate 14% per annum on reducing balance.
• Repayment period maximum 84 months 
• Multipliers of 4 times BOSA Deposits
• Deposit contribution as per Loan Banding structure applies
• Guarantors and acceptable collaterals as security
• The member must have been in the Sacco for more than two years.
• Members cannot access Wezesha or Super loan concurrently
• Qualification will be subject to 1/3 rule 
• Terms and Conditions apply 

Super loan is meant for development purpose.

1. Maximum loan is 3X deposits.
2. Repayment period is 60 months
3. 12% Interest per annum.
4. Member must contribute 6 months before they are eligible.
5. Security is own deposits or guarantors.

Requirements:

1. Minimum six months consistent contributions.
2. Duly filled loan form.
3. Two original current pay slips.
4. Mode of payment check-off or standing order (Salaried).

This is a product for business people. This loan is ideal for registered groups, individual business people, and registered companies. To qualify for this loan a member has to fulfill the following requirements;

1. One has to have transacted with Wanandege Sacco for at least 6 months.
2. The minimum amount of time for repayment of the loan is 3 months and it has a maximum time limit of 36 months.
3. 14.5% Interest per annum.

This is an option for those members who want to make improvements on their homes, acquire other property, or develop their farming land. It is granted for medium/long term investment purposes.

The requirements for this loan are;

1. The loan is repayable in 48 months.
2. 12% Interest per annum.
3. This loan is also available for non check-off members.

Requirements:

This loan is provided for members to assist them to pay for their own, or their dependants school fees. Requirements for this loan are;

1. The loan is payable in 12 months.
2. 12% Interest per annum.
3. This loan is also available for check off members.

Requirements:

These loans allow members to pay for emergencies like hospital bills, burials and court cases.

1. Emergency loans are processed within 30 minutes of application.
2. 12% Interest per annum.
3. Security is own deposits or guarantors.

Requirements:

The maximum amount that one can borrow in this category is capped at 2,000,000 shillings..

1. Members qualify for this loan after 3 deductions received by the Sacco
2. 15% Interest per annum.
3. Members eligible for this loan should be less than 1 year in the sacco.
4. Security is by guarantors.
5. Maximum repayment period is 48 months.

Requirements:

Refinancing loan can help a member by replacing an existing debt under different terms. The loan is also a feature of the development loan and the qualifications for this loan are as follows;

1. The loan has a repayment period of 48 months.
2. 13% Interest per annum.
3. Security in the form of a guarantors or a member's own deposits.

Requirements:

Star loan is a collateral based loan. An applicant will be required to have deposits equivalent to 20% of the loan amount.

1. The loan is repayable in 72 months.
2. 14% Interest per annum.
3. Loan granted is based on 80% of the forced value of the collateral provided.

Requirements: