This Is designed to meet college fees in higher institutions of learning.

Features
- Attracts monthly interest rate of 13% per annuam on a straight line basis
- Qualifying loan is 3 times member`s savings
- Repayable within 12 months
- A bankers cheque is issued in favour of the said institution
- Loan security is member`s and guarantors savings.

How to apply
- Member`s copy national identity card
- Two recent payslips
- Recent fee structure of the said institution
- Guarantors’ copies of national identity card
- A dully filled loan application form

This type of loan is designed to development needs such as building of houses, purchase of land and farming.

Features
Attracts monthly interest rate of 13% per annuam on a straight line basis
Qualifying loan is 3 times member`s savings Repayable in a period not exceeding 48 months
Loan security is member`s and guarantors savings.

How to apply
Member`s copy of national identity card
Two Latest payslips
Guarantors’ copies of national identity card
A dully filled loan application form

This product is designed to assist members meet urgent and unforeseen financial obligations and is processed within 24 hours upon application.

Features
-  Attracts monthly interest rate of 13% per annuam on a straight line basis
- Qualifying loan is 3 times member`s savings
- Repayable within 12 months
- Loan security is member`s and guarantors savings

How to apply
-  Member`s copy national identity card
- Two recent payslips
- Claim must have supporting documents
- Guarantors’ copies of national identity card
- A dully filled loan application form

This type of loan is meant to meet tea plucking expenses prior to the monthly salaries.

Purpose
This will enable members acquire accessories on credit like fosera lumps,mobile phones and laptops features Interest rate is 8% per month repayment period is within 6 months . 

How to apply
-  A dully filled Real Plus Advance form

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This product is designed to assist members pay fees in various learning institutions.

Features
- Attracts monthly interest rate of 13% per annuam on a straight line basis
- Qualifying loan is 3 times member`s savings
- Repayable in 12 calendar months
- A bankers cheque is issued in favour of the said institution
- Loan security is member`s and guarantors savings months before the loan is applied for
- Loan security is member`s and guarantors savings.

How to apply
- Member`s copy national identity card
- Recent fee structure of the said institution
- Two recent payslips 
- Guarantors’ copies of national identity card
- A dully filled loan application form

This type of loan is meant to meet tea plucking expenses prior to the monthly salaries.

Features
- Attracts an interest rate of 8% per month
- Repayable within one month Must be supported by plucker`s receipt(s) to warrant loan needed
- Loan security is member`s and guarantors savings
- One must have a salary account with the Sacco. 

How to apply
-  A dully filled fosa salary advance form

This is meant to enable the youth access loans for financial development and other needs

Features
- Attracts an interest rate of 9% per annum on a straight line basis
- Qualifying loan is 3 times member`s savings
- Repayable in a period not exceeding 48 months
- Member should be aged between 18-35 years
- Regular minimum contribution of ksh. 500 for 6 months before the loan is applied for
- Loan security is member`s and guarantors savings.

How to apply
-  Member`s copy of national identity card
- Guarantors copies of national identity card
- A dully filled loan application form