Short-Term Loans
Life comes with urgent needs a medical bill, school fees, or a quick boost to your salary. These are important, immediate, and often unplanned.
At Astro Sacco, we provide quick, flexible loans and savings solutions to help you manage these needs without stress. With repayment periods ranging from 1 to 12 months, they offer quick and flexible solutions for urgent expenses.These loans come with affordable rates, fast processing, and simple requirements, making them accessible when you need them most. Short-term loans provide peace of mind by bridging financial gaps without long-term commitments.With fast approvals and easy repayment terms, you can stay on top of life’s demands while keeping your finances stable.
Karo Loan
Key Features
- Specifically designed to cover school, college, or university fees
- Repayment period of up to 12 months
- At interest rates
- Proof of school fees structure required for application
- Borrow up to 3 times your deposits
- Secured by guarantors or member’s savings
- Quick approval to ensure fees are paid on time
Emergency Loan
Key Features
- Fast approval – processed within 48 hours
- Repayment period of up to 12 months
- Affordable interest rate of 14% p.a.
- Secured by guarantors or deposits
- Borrow up to 3 times your deposits (subject to terms)
- Designed for urgent needs like medical bills, emergencies, or unexpected expenses
Roto Tank Loan
Key Features
- Finance purchase of water tanks for your home or business
- Repayment period of up to 6 months
- Low interest rate of 11% p.a.
- Secured similar to motor vehicle/asset loans (collateral-based)
- Quick processing to help you solve water storage needs fast
- Supports clean water access and sustainable living
Motor Vehicle Insurance
Key Features
- Designed to cover annual motor vehicle insurance premiums
- Flexible repayment period of up to 6 months
- Affordable interest rates tailored for members
- Fast approval so your cover remains uninterrupted
- Secured with the vehicle logbook or member’s savings
- Ideal for both private and commercial vehicles
Faraja Insurance Loan (Last Expense Loan)
Key Features
- Designed to cover last expense/Funeral related premium
- Repayment period of up to 2 months
- Very affordable –1% interest per month
- Quick and simple application process for members in good standing
- Provides peace of mind for families during difficult times
Mshahara plus Loan
Key Features
- Loan amount of up to 50% of your net monthly salary
- Minimum loan: KES 5,000 | Maximum loan: KES 200,000
- Repayment Period: 1 to 3 months, depending on loan amount
- Easy application with standing order from bank & payslip
- Loans are insured for your peace of mind
- Low and competitive 7% per month
Dhamana Loan (Collateral Loan)
Key Features
- Ideal for members who prefer security/collateral-backed loans
- Short-term loan with repayment period of up to 3 months
- Covers additional loan-related expenses such as valuation & legal fees
- Secured against assets provided by the member
- Quick access to cash when collateral is available