FOSA Loans & Advances

Empowering progress with flexible and reliable financial solutions 
FOSA One Month Advance
The one-month advance is your express ticket to immediate financial relief. With a commitment to efficiency and your financial well-being, our one-month advance is designed to cater to your short-term needs with unparalleled speed and convenience. The advance is designed for salaried members and can be accessed through BandariPesa App and USSD code *636#.

FOSA 3-6 Months Advance
Bandari Sacco's 3-6 Month Advances are meticulously designed to cater to your mid-term needs. Experience swift approvals, competitive interest rates of 1.16% per month, and a unique guarantee structure of the applicant's own or friends' non-withdrawable deposits. 

FOSA Advance 12 Months
Elevate your financial journey with FOSA 12 months advance, tailored to meet your long-term needs.

FOSA Development
Fuel your growth with the FOSA Development Loans. This loan is approved within 24 hours with a maximum payable amount pegged on the ability to pay with a repayment period not exceeding 24 months.

FOSA Special
Discover financial empowerment like never before with Bandari Sacco's FOSA Special.

FOSA Consumer Loan
Transform dreams into reality with the FOSA Consumer Loan. 

LPO Financing
LPO financing is available to members who have valid business registration and permit documents.

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Loan Calculator
This tool will help you compare different loan options and ascertain your eligibility. 
How it Works
The loan calculator will tell you how much you will pay monthly based on the size of the loan, the loan payment period, and the interest rate. It's important to know some common loan terminology. These include;
  • LOAN AMOUNT, this is the amount you are borrowing.
  • NUMBER OF MONTHS refers to the loan term you have to repay the loan.
  • ANNUAL INTEREST RATE is the amount a lender charges you for borrowing money.
  • MONTHLY PAYMENT is how much you need to pay every month to remain on good terms and up to date on your loan.

Amount Requested

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Estimated Monthly Repayment

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Total Interest Paid (15% rate)

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Loan Duration

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Contact us for loan application

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  •  Statements are issued upon request. 
  • Yes – for as long as you stay up to date with your monthly contributions. You may send your contributions over the counter, LIPA NA MPESA Pay bill 146320, Standing orders or direct debits. 
    • Be 18 years and above 
    • Present your National ID/Military ID and passport colored Passport photograph.
  • • Fully completed loan application form 
    • Guarantors (depends on loan type). 
    • Employee’s pay slips (past 3 months). 
    • A copy of National ID. 
    • Proof of active membership for at least six months