Updated 31 October 2026
BAT Regulated NWDT Sacco’s cheapest loan is the Development Loan at 12% a year on a reducing balance, for up to KSh 1.5 million over 60 months. Super Development costs 12.5% (from KSh 1.5 million, 72 months) and Super Flexi 13.5% (84 months, 4 times deposits). The larger Mega, Premier and Platinum loans run from 15.5% to 17.5% a year. Most loans lend up to 3 times your deposits and carry a 1% insurance fee. All terms come from BAT Sacco’s credit products page, checked on October 31, 2026. In several product descriptions the page writes “% per month” next to a headline that says “% p.a.”. The annual reading is the one that makes sense (17.5% a month would be extreme), so we use annual rates here. Confirm with the Sacco.
BAT Sacco loan chart
| Loan | Interest (p.a., reducing) | Max period | Multiplier | Limit |
|---|---|---|---|---|
| Development Loan | 12% | 60 months | 3x | Max KSh 1.5m |
| Super Development Loan | 12.5% | 72 months | 3x | Min KSh 1.5m |
| Motor Based Loan | 13% | 36 months | 3x | 50% of the car’s forced sale value |
| Super Flexi Loan | 13.5% | 84 months | 4x | Min KSh 1.5m; member for over 1 year with a well-serviced loan |
| Jiendeleze Loan | 14.5% | 60 months | 3x | Max KSh 5m |
| Jitegemee Loan | 14.5% | 60 months | 3x | Not stated |
| Jiinue Loan (business, fees) | 14.5% | 60 months | 3x | Not stated |
| Emergency Loan | 14.5% | 12 months | 3x | Not stated |
| Mega Loan | 15.5% | 60 months | 3x | Max KSh 3m |
| Premier Loan (e.g. agribusiness) | 16.5% | 60 months | 3x | Max KSh 2.5m |
| Platinum Loan | 17.5% | 60 months | 3x | Max KSh 2m |
| Deposit Booster Loan | 18% | 60 months | 3x | Max KSh 500,000; credited to deposits |
A 1% insurance fee on the amount applied for is listed for the Development, Super Development, Jitegemee, Jiinue, Motor Based and Deposit Booster loans. On Motor Based loans, the borrower also pays the valuation and charging fees.
Salary Advance
The Salary Advance lends up to KSh 100,000 at 10% a month on a reducing balance with no guarantor, repaid through payroll check-off. The page gives the repayment period as both 6 months and 3 months. Members with a Mobi Loan cannot take it.
An odd pricing pattern
At most Saccos, bigger and longer loans cost more. At BAT, the smaller Platinum (KSh 2 million) and Premier (KSh 2.5 million) loans cost more than the larger Jiendeleze (KSh 5 million at 14.5%). Before choosing by product name, check which product you qualify for at the lowest rate.
Here is our own estimate using standard amortisation, not a Sacco quote. KSh 1.5 million over 60 months costs about KSh 33,400 a month at 12% (Development) and about KSh 37,700 a month at 17.5% (Platinum). Total interest is roughly KSh 502,000 versus KSh 761,000. Our reducing-balance calculator guide shows how to check these figures.
How to apply
- Download the loan form for your product from the Sacco’s page and fill it in.
- Attach copies of IDs for yourself, your witness and your guarantors.
- Attach your latest payslip for payroll loans, or 3 months of certified bank statements for non-payroll loans, plus a standing order covering loan repayments and deposits.
- Send the documents. The Sacco texts you when processing starts and pays the money into your bank account once approved.
Compare BAT’s rates with other Saccos in our Sacco loan comparison.
Frequently asked questions
What is the cheapest BAT Sacco loan?
The Development Loan at 12% a year on a reducing balance, for up to KSh 1.5 million over 60 months.
How many times my deposits does BAT Sacco lend?
3 times on most loans, and 4 times on the Super Flexi Loan.
Does BAT Sacco lend against a car logbook?
Yes. The Motor Based Loan lends up to 50% of the car’s forced sale value at 13% a year over 36 months.
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