Personal and salary-backed loan

Consider an eligible personal borrowing need using a transparent cost illustration and an assessment of your ability to repay.

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Understand this category

Consider a personal loan for a defined need that you can repay from verified income. Where a salary-backed product is available, the institution will explain the employer, salary-routing or repayment arrangements it requires. Check the total repayment amount, term, security and consequences of a change in income. A salary does not guarantee approval, and a household commitment should not be financed without understanding how repayments fit alongside essential expenses.

Who it may suit

Eligible members, including qualifying salaried workers; other income types only where accepted by the selected product.

Practical uses

Permitted household expenditure or planned personal needs. Education and urgent needs can be separate approved variants or purpose tags.

How to proceed

Review eligibility/cost; prepare income and existing-debt evidence; apply; assessment; offer review/acceptance; disbursement confirmation; repayment.

What to prepare

Identity/membership; payslips or accepted income evidence; employment confirmation where required; debt information; repayment mandate and security if applicable.

Questions and answers

Must my salary come through the D-SACCO?

The local product must state whether that is required.

What happens if I change employer?

Contact the lender; the agreement determines how the repayment arrangement must change.

Choose a D-SACCO