Vision SACCO Loans
SACCO loan · Regulated by the SASRA
A loan from Vision SACCO, a non-withdrawable deposit-taking society regulated by SASRA. You borrow against your savings and repay monthly. The rate depends on which loan product you take.
Hear when this changes
The details that matter for this kind of plan
- What you borrow
- Up to 4 times your deposits, depending on the loan product
- Interest charged
- 1% to 1.5% per month on reducing balance; 5% upfront for Vision Advance
- Minimum activity
- 4 months of active contributing
What does it cost you?
| Interest on what you borrowDevelopment, Emergency, School Fees, Top-Up, Top-Up One and Maono Shamba loans | 1% |
|---|---|
| Interest on what you borrowInstant and Super School Fees loans | 1.5% |
| Interest on what you borrowSuper Plus Loan | 1.25% |
| Interest on what you borrowVision Advance Loan | 5% |
What if you stop paying?
If you stop paying, the society takes the outstanding amount from your savings. If you have guarantors, their savings may also be taken.
What if you need the money early?
You cannot withdraw your deposits while you have an outstanding loan. Early repayment of the loan itself is allowed with no penalty.
Who this suits
You are a member with at least 4 months of contributions and need a loan secured against your savings. You want a reducing-balance rate rather than a flat rate.
You are not a member or have been contributing for less than 4 months. You need a loan without guarantors or without tying up your savings as security.
What they tell you
- Are all their charges published?Yes, every charge they mention has a figure against it.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: visionsacco.com
- Email: info@visionsacco.com
- If something goes wrong, the SASRA is who supervises them.
What the documents actually say
Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.
“Loan Product Interest Charge Term in Months Sign Against Appropriate Product Development Loan 1% 84 Top-Up Loan 1% 84 Top-Up One Loan 1% 84 Super Plus Loan 1.25% 84 Instant Loan 1.5% 24 School Fees Loan 1% 12 Super School Fees Loan 1.5% 30 Emergency Loan 1% 12 Vision Advance Loan 5% 2 Maono Shamba Loan 1% 84”
Where we got this
- Vision SACCO loan application form 2026the company itselfRead on 2026-09-29