Long-Term Development Loans
Accelerate your personal and business milestones with flexible, affordable financing up to 60 months. Benefit from competitive interest rates, transparent terms, and substantial borrowing power pegged at 3x your savings.
Explore Our Long-Term Facilities
Choose the loan product that best matches your investment horizon and project requirements. Apply online with fast processing and dedicated member support.
36 Months Max
Normal Loan (36)
Designed for personal and development purposes, offering balanced monthly installments over a comfortable 3-year term.
36 Months
3x Savings
At least 2
Min. 6 Mos
- Maximum repayment period = 36 months
- Qualifying shares = 3x savings
- At least 2 guarantors
- Member must have contributed for at least 6 months
- Two latest payslips / bank statement for 3 months
- A copy of National ID for the member
48 Months Max
Normal Loan (48)
Provides ample capital opportunities for larger business investments, asset growth, and expanded financial objectives.
48 Months
3x Savings
At least 2
Min. 6 Mos
- Maximum repayment period = 48 months
- Qualifying shares = 3x savings
- At least 2 guarantors
- Member must have contributed for at least 6 months
- Two latest payslips / bank statement for 3 months
- A copy of National ID for the member
60 Months Max
Normal Loans (60)
Our flagship development loan providing substantial capital for major long-term projects and a generous 5-year horizon.
60 Months
3x Savings
At least 2
10% Basic
- Maximum repayment period = 60 months
- Qualifying shares = 3x savings
- At least 2 guarantors
- Member must have contributed for at least 6 months
- Two latest payslips / bank statement for 3 months
- A copy of National ID for the member
- One must contribute 10% of basic as monthly savings
Refinancing
Top Up Loan
A dedicated refinancing facility designed to inject funds and complete stalled projects with smoothly pegged interest.
Refinancing
NWDT Sacco
Mandatory
Pegged Prior
- Issued specifically to complete stalled projects
- The loan to be refinanced must be with Nairobi Water Sacco
- A complete buy-off of the existing loan is mandatory
- The interest rate shall be pegged on the previous loan
- Duly completed loan refinancing application form
Zero Guarantors
Super Member Loan
Tailored exclusively for committed super savers who want total independence. Borrow up to 90% without guarantors!
48 Months
90% Savings
None (0)
12.5% Basic
- Maximum repayment period = 48 months
- Maximum loan amount is 90% of member savings
- No guarantors required (100% self-guaranteed)
- Member must contribute at least 12.5% of basic salary monthly
- Two latest payslips
- A copy of National ID for the member