This product was introduced in June 2019 and has since recorded tremendous growth. The maximum one is allowed to borrow is Kshs.20, 000 at 10% interest rate repayable within one month. The premium, super and normal loan products are computed at four times the amount of shares a member has at the Sacco but with a cap of Kshs. 3,000,000.00. All loans except the Okoa Instant loan are calculated on the basis of reducing balance. The society further allows refinancing of all its products.