Instant loans are easier and faster than other loans. With no hidden fees, no rollovers, and lower interest rates.

Our Advances & Instant credit facilities

Instant loan
  • Maximum repayment period is 1 month
  • Loan processed within four hours of application and does NOT require guarantors
  • Interest rate is 10%
  • Maximum loan amount is Kes100,000
Salary advance(s)
  • Member salary MUST be channeled through FOSA account
  • Maximum repayment period is 5 months
  • Maximum loan amount is Kes300,000
  • Interest rate varies from 5% to 8% depending on the repayment period
  • NO guarantors required
Settlement loan

This facility is meant for new employees not more than 6 months old at their new work stations.

  • Net salary must be channeled through FOSA
  • Loan tenure of 6 months
  • No guarantors required
  • Maximum loan amount Kes50,000 with 15% per annum interest