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Long Term Loan Products
At Apstar Sacco, we believe in making credit accessible, affordable, and tailored to your needs. That’s why we’ve simplified and enhanced our loan products—consolidating multiple options into four powerful loan facilities designed to give you flexibility, better terms, and easier repayment.
- Super Loan
- FOSA Loan
- Chipukizi Loan
Up to 120 Months Loan Repayment Period
One loan, more possibilities. The Super Loan now offering you bigger opportunities under one roof. Access Super Loan to a period of up to 10 years.
✅ Repayment Periods: 60, 84 & 120 Months
✅ Competitive Interest Rates: 1.0%, 1.125% & 1.20% per month
✅ Longer Tenure: Now up to 120 months (extended from 96 months)
Perfect for long-term investments, refinancing, and reducing financial stress.
Up to 72 Months Loan Repayment Period
Are you channeling your salary through our FOSA? We’ve simplified your access to FOSA financing into a single, convenient product.
✅ Repayment Periods: 48, 60 & 72 Months
✅ Interest Rates: 1.0%, 1.1% & 1.2% per month
✅ Lower Rate: 60 months reduced from 1.2% to 1.1%
FOSA Loan is a Great for medium-term projects, asset financing, and refinancing
48 Months Loan Period
Targeted to new members particularly newly employed staff in the Counties, Government ministries, parastatals and government agencies provided it is ones first loan in the Society. At least one month’s check-off remittance or two months’ salary through Fosa for one to qualify. Part of the loan funds are deducted and retained to the member’s deposit account to ensure deposit balance of at-least one third of the loan amount.
