School Fees Loans — keep every term paid, on time
Two short-term loans built around the school calendar — affordable, reducing-balance interest and repayment terms so tuition never interrupts learning.
Compare at a Glance
A school fees loan built for the academic calendar
Missing a school fees deadline shouldn't derail a child's term. Username Sacco's school fees loans close the gap between when fees are due and when funds are available — with instant eligibility on membership, guarantorship-based security, and interest calculated on a reducing balance so members only pay for what they still owe.
Whether it's routine termly tuition or an urgent, time-sensitive fees deadline, there's a product matched to the timeline: the standard School Fees Loan for planned school expenses, or the Super School Fees Loan for fast, controlled disbursement direct to the learning institution when time is short.
Who can apply for a school fees loan?
Three simple conditions determine your eligibility for either product.
Active Membership
You hold an active Username Sacco membership account, available instantly upon joining.
Guarantor in Place
Both loans are secured through guarantorship from fellow members.
Clear Education Need
Funds are intended for tuition and related school expenses for yourself or your dependents.
Loan terms, side by side
Compare the School Fees Loan and the Super School Fees Loan to find the right fit for your timeline.
Loan Multiplier
Borrow up to 3 times your member deposit savings.
Repayment Period
Repay comfortably over a 6-month term.
Membership Requirement
Available instantly upon membership — no waiting period.
Interest Rate
1% per month, calculated on a reducing balance.
Target Group
Open to all Username Sacco members.
Security
Secured through guarantorship from fellow members.
Loan Multiplier
Borrow up to 2 times your deposits, capped at KSh 60,000.
Repayment Period
Repay over a shorter 4-month term.
Membership Requirement
Available instantly upon membership — no waiting period.
Interest Rate
3% per month, calculated on a reducing balance.
Target Group
Open to all Username Sacco members.
Fast Disbursement
Quick, controlled payout direct to the learning institution.
Get your school fees loan in 3 simple steps
Join the Sacco
Become a member — access to both loan products is instant.
Choose Your Loan
Pick the School Fees Loan for planned tuition, or the Super School Fees Loan for an urgent deadline.
Get Funded
With a guarantor in place, funds are disbursed and repaid over your chosen term.
School fees loan questions, answered
Ready to secure your child's next term?
Join Username Sacco today or speak to an advisor about which school fees loan fits your timeline.