• Secured by the loan/advance applied.
• Helps the member to clear outstanding loans/advance with the society so as to access bigger loans.
• The amount is recovered once the loan is approved.

Interest rates are as follows.

• Up to KSHS 200,000                                  10%
• Over KSHS 200,000-500,000 8%
• Over 500,000                   5%
• Saves the member from expensive credit options.

SECURITY: must have applied for a loan in the back office and confirmed to be in good order.