Loans
Borrow at member rates
Regular, quick, salary, and land loans at member rates, up to twice your shares plus savings, with clear terms and eligibility.
Compare products
Loan products at a glance
Side-by-side comparison of rates, limits, and terms. Tap a product below for full eligibility detail.
| Product | Rate | Max amount | Max term | Action |
|---|---|---|---|---|
| Regular Loan | 15% p.a. on reducing balance | Up to 2× (shares + savings) | Up to 12 months | Apply |
| Small Quick Loan | 3% fixed per month (not reducing balance) | Up to UGX 1,000,000 | Up to 3 months | Apply |
| Salary Loan | 15% p.a. on reducing balance | Up to 2× (shares + savings) | Up to 12 months | Apply |
| Land Loan (non-SACCO land) | 15% p.a. on reducing balance | Based on collateral valuation | Up to 12 months | Apply |
| Land Loan (SACCO land) | 15% p.a. on reducing balance | Based on land purchase price | Up to 12 months | Apply |
Loan products
Borrow at member rates
Financing for development, emergencies, education, assets, and salary gaps.
01 · Regular Loan
Regular Loan
The SACCO's main loan product for members who have saved for at least six months, up to twice your shares plus savings.
- Rate
- 15% p.a. on reducing balance
- Max amount
- Up to 2× (shares + savings)
- Max term
- Up to 12 months
- Saved for at least 6 months
- Maximum loan not more than twice the sum of shares and savings
- Two guarantors who are SACCO members, or collateral such as land title or car log book
2-month grace period; 1% processing fee; accessible within 3–7 days
Enquire about this loan02 · Small Quick Loan
Small Quick Loan
Short-term credit for members with at least one year of membership and UGX 200,000 in savings.
- Rate
- 3% fixed per month (not reducing balance)
- Max amount
- Up to UGX 1,000,000
- Max term
- Up to 3 months
- Member for at least 1 year
- Savings of at least UGX 200,000
- One guarantor who is a SACCO member
No grace period; UGX 50,000 processing fee
Enquire about this loan03 · Salary Loan
Salary Loan
For salaried members with an employment contract and HR approval, up to twice your savings and shares.
- Rate
- 15% p.a. on reducing balance
- Max amount
- Up to 2× (shares + savings)
- Max term
- Up to 12 months
- Saved for at least 6 months
- Employment contract and HR approval letter
- Standing order arrangement
- One guarantor who is a SACCO member
1.2% processing fee; no grace period
Enquire about this loan04 · Land Loan (non-SACCO land)
Land Loan (non-SACCO land)
Finance land purchased outside the SACCO estate, with the bought land as collateral.
- Rate
- 15% p.a. on reducing balance
- Max amount
- Based on collateral valuation
- Max term
- Up to 12 months
- The purchased land serves as collateral
- Agreement, transfer, legal, transport, and surveyor fees borne by the borrower
1.5% processing fee; no grace period
Enquire about this loan05 · Land Loan (SACCO land)
Land Loan (SACCO land)
Finance the purchase of SACCO residential land with no guarantors required and a two-month grace period.
- Rate
- 15% p.a. on reducing balance
- Max amount
- Based on land purchase price
- Max term
- Up to 12 months
- The SACCO land being purchased serves as collateral
- Active member in good standing
1% processing fee; 2-month grace period; no guarantors required
Enquire about this loanPurchasing SACCO land at Nakasajja Estate? See dedicated land loan terms.
SACCO land & loansLoan calculator
Estimate your repayment
Pick a product, amount, and term to see an instant estimate.
Maximum term for Regular Loan: 12 months
Estimated monthly payment
USh 451,292
Total repayment
USh 5,415,499
Total interest
USh 415,499
Estimate only, not a binding loan offer. Final terms are confirmed by the credit committee.
Take the next step
Ready to build your financial future?
Join intern pharmacists, registered pharmacists, and PSU staff already saving, borrowing, and growing with the SACCO.