Regulated by UMRA Ibanda, Uganda
Bisheshe SACCO
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Home Loans

Affordable loans for every purpose

Borrow from UGX 100,000 up to UGX 30,000,000 over 12 to 24 months, with interest from 3% per month. You are always free to settle your loan early at no extra cost.

3% reducing
Usual loans
5% flat
Emergency loans
2% flat
Women group loans
No penalty
Early settlement allowed
Plan before you borrow

Loan repayment calculator

Estimate your monthly repayment and total cost before you apply. Adjust the amount, term and loan type to see what works for you.

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Estimated monthly repayment
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3% per month reducing
Total interestUGX 0
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This is an indicative estimate for planning only. Your actual repayment is confirmed at the branch after assessment of your application and security.

Our loan products

Eight ways we help you move forward

School Fees Loan

Pay tuition on time and keep your children learning without disruption, term after term.

Business Loan

Working capital to buy stock, expand your premises and grow your daily sales.

Boda Boda Loan

Finance a motorcycle and build a reliable transport income for your household.

Solar Energy Loan

Bring affordable, clean lighting and power to your home or business.

Agriculture Loan

Finance seeds, inputs, livestock and equipment for a stronger harvest.

Water Harvesting Tanks

Invest in quality tanks to store rainwater for your home and farm year round.

Home Improvement Loan

Build, renovate or extend your home and improve your family's comfort.

Women Loan Groups

Group lending designed for women, at a favourable 2% flat rate per month.

Loan terms

Clear terms, no surprises

We keep our lending simple and transparent so you always know what you are paying.

Minimum loan amountUGX 100,000
Maximum loan amountUGX 30,000,000
Repayment period12 to 24 months
Usual loan interest3% reducing
Emergency loan interest5% flat
Women group loan interest2% flat
Early settlementAllowed, no penalty
Eligibility

Who can borrow

Loans are available to members of the SACCO. To qualify, you generally need to:

  • Be a registered member with an active savings account
  • Maintain regular savings with the society
  • Provide acceptable security or guarantors for the loan
  • Present a valid National ID and supporting documents
  • Complete a loan application form at any branch

Not a member yet?

You can open an account and begin saving for as little as UGX 28,000. Visit our membership page to get started.

Ready to apply for a loan?

Visit your nearest branch with your National ID, or talk to our team to begin your application today.

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