Kia, Arusha Tanzania

info@kiasaccos.co.tz

Secured Loans

Higher Limits with Collateral

Secured loans are designed for members who need larger financing and can provide collateral. By securing the loan with shares or other acceptable assets, you may access higher amounts and benefit from flexible terms.

About Us

KIA SACCOS

Secured Loans

&

Competitive interest rates

affordable and member‑focused

&

Transparent loan process

clear terms, no hidden fees

Loan Calculator
&

Structured Loan Committee approval

fair and consistent review

&

ICT‑supported member tracking

easy monitoring of your loan status

KIA SACCOS

Benefits of Buying Additional Shares

'

Higher Dividends

Shares earn interest and receive a portion of the annual surplus distribution.

'

Stronger Financial Footing

A larger shareholding may enhance your loan eligibility.

'

Increased Ownership

Every share gives you a greater stake in the cooperative’s success.

'

Supports the Society

Additional capital strengthens the Society’s lending capacity.

KIA SACCOS

Loan Disbursement

Approved loans are paid directly to you via

  • $
    Bank transfer
  • $
    Mobile channels

KIA SACCOS

Collateral Options

Secured loans may be backed by:

  • $
    Shares held in the Society
  • $
    Other acceptable collateral (as determined by the Loan Committee)

KIA SACCOS

Eligibility

  • $
    Active member in good standing (entrance fee paid, shares held, monthly savings maintained)
  • $
    Commitment to cooperative principles
  • $
    Acceptable collateral to secure the loan

KIA SACCOS

How to Apply

'

Submit a loan application to the office, indicating you are applying for a secured loan

'

Provide details of the collateral you wish to use

'

The Loan Committee reviews your application and collateral

'

Upon approval, funds are disbursed through your chosen method

Get in Touch