Our Products & Services

Savings and loan products thoughtfully designed to meet every stage of your financial journey.

Grow Your Money, Secure Your Future

Every great financial story starts with consistent saving. Our savings products are designed to grow your wealth while keeping your money accessible.

Core Savings

Ordinary Shares

Build your share capital and ownership stake in the SACCO. Mandatory for all members and forms the basis for loan eligibility.

  • Minimum KES 500/month
  • Earns annual dividend
  • Builds loan eligibility
  • Withdrawable on exit
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Flexible Savings

Deposit Account

A flexible savings account that allows you to save and access funds at any time, with competitive interest rates on your balance.

  • Save any amount anytime
  • Access funds when needed
  • Earns monthly interest
  • No withdrawal fees
Open Account
Term Savings

Fixed Deposit

Lock in your savings for a fixed period and earn guaranteed, higher interest rates. Perfect for goal-based saving.

  • Fixed terms: 3–24 months
  • Higher interest rates
  • Capital guaranteed
  • Ideal for large goals
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Goal Savings

Education Savings

Purpose-built savings account to prepare for school fees, university costs, and educational milestones.

  • Dedicated education goal
  • Automatic monthly deduction
  • Partial withdrawals allowed
  • Interest on balance
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Goal Savings

Housing Savings

Save systematically towards a home purchase, land acquisition, or major home improvement project.

  • Long-term savings plan
  • Linked to Home Comfort Loan
  • Annual interest accrual
  • Goal tracking dashboard
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Protective Savings

Emergency Fund

A ring-fenced savings reserve designed for unexpected expenses — so life's surprises don't derail your plans.

  • Separate from regular savings
  • Quick access within 24hrs
  • Earns standard interest
  • Peace of mind guarantee
Open Account

Loans Designed Around Your Life

Access affordable, flexible credit with transparent terms and fast approvals — because your time and goals matter.

Grow Your Business with Mradi

Whether you are a courier looking to purchase your own motorbike, a small trader stocking your business, or an entrepreneur expanding operations — the Mradi Loan gives you the capital to make it happen.

Loan amount up to 3x your savings
Flexible repayment: 6–60 months
Minimal documentation required
No hidden fees or charges
Approval within 3–5 business days
Can be topped up after 50% repayment
Emergency Loan

Emergency Loan

Quick cash when life throws a curveball. Processed within 24 hours so you can handle urgent needs without delay.

  • Up to KES 50,000
  • 24-hour processing
  • No collateral required
  • 3–12 month repayment
  • Available to active members
Apply Now
School Loan

School Fees Loan

Give your children the education they deserve without financial strain. Our School Fees Loan ensures no child misses school due to fees.

  • Covers school fees fully
  • Aligned to school terms
  • Low interest rate
  • Quick disbursement
  • Multiple children covered
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Home Loan

Normal Loan

Transform your living space with furniture, appliances, and home improvements financed easily through the Home Comfort loan.

  • Up to KES 200,000
  • Easy repayment terms
  • Covers appliances & furniture
  • Fast approval process
  • No security deposit
Apply Now
Group Loan

Chama / Group Loan

Support group projects with financing of up to 60% of the project value, repayable over up to 60 months at 20% annual interest on a reducing balance.

  • Up to 60% of project value
  • Up to 60-month repayment
  • 20% reducing-balance interest
  • Group and member responsibility
  • Requires acceptable security
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Okoa Loan

Okoa Loan

A micro-rescue loan for members facing short-term financial gaps. Quick, small, and designed to bridge you to your next pay.

  • Up to KES 10,000
  • Same-day processing
  • Repaid within 30 days
  • Self-guaranteed
  • Mobile Money disbursement
Apply Now
Development Loan

Development Loan

A larger, long-term loan for significant personal or professional development needs, from education to property.

  • Higher loan limits
  • Up to 72-month repayment
  • Requires guarantors
  • For employed members
  • Customised repayment plan
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Who Can Apply for a Loan?

Accessing credit at QuickLink SACCO is straightforward. If you meet the basic criteria below, you are eligible to apply for any of our loan products.

Active SACCO membership
Must be a registered member in good standing
Minimum savings period
At least 3 months of consistent savings contributions
Regular contributions
Up-to-date share capital and monthly savings deposits
Good credit standing
No outstanding defaulted loans or guarantor obligations
Valid identification
Government-issued ID and KRA PIN certificate

Loan Application Process

Applying for a loan is simple and transparent. Here is what the process looks like from start to disbursement.

1
Login or Apply
Log into the member portal or mobile app, or visit the SACCO office to begin your loan application.
2
Choose Your Product
Select the loan type that fits your needs and fill in the required details and amount.
3
Submit Documents
Upload or present your required documents — ID, payslip (if employed), and any guarantors needed.
4
Credit Assessment
Our credit team reviews your application against our lending criteria within 1–5 business days.
5
Disbursement
Approved loans are disbursed directly to your registered mobile money or bank account.
Apply for a Loan