Know your repayments before you borrow. Enter an amount and term into this Apstar DT Sacco loan calculator to see your monthly deduction, the interest you will pay and the total cost.
Apstar DT Sacco Loan Calculator
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About Apstar DT Sacco Society Ltd
Apstar DT Sacco Society Ltd is a deposit-taking SACCO licensed by the Sacco Societies Regulatory Authority (SASRA) for 2026. Its head office is at Ukulima Cooperative House, Haile Selassie Avenue, Nairobi, in Nairobi County.
Apstar DT Sacco loan rates
Apstar DT Sacco publishes these rates on its website (apstarsacco.coop), checked on 13 October 2026:
- Emergency/short-term, 12 months (1.0% p.m.)
- Emergency/short-term, 24 months (1.1% p.m.)
- Emergency/short-term, 36 months (1.2% p.m.)
- Super loan, 84 months (1.125% p.m.)
- Makao Home Plan, income up to KES 200k
- Makao Home Plan, income above KES 200k
The calculator is prefilled with these figures. SACCOs usually quote rates per month, so 1% a month equals 12% a year.
How to use the calculator
- Choose a loan product or keep the default rate.
- Enter the amount you want to borrow and the term in months.
- Check that the method (reducing balance or flat) matches your loan.
- Tap “Show repayment schedule” to see each month’s principal and interest.
Loan limits and guarantors
Unlike banks, SACCOs lend mainly against your deposits and your guarantors’ deposits. Ask the Sacco for its exact multiplier. Keep up regular monthly contributions, because the longer and more consistently you save, the more you can borrow.
Before you apply
Check your deposit balance, confirm your guarantors still have enough free deposits, and make sure your monthly net pay can absorb the new deduction. Clearing small loans first and keeping your contributions current both make approval faster at Apstar DT Sacco.
Tips to borrow wisely
- Borrow for productive needs, such as school fees, land, business stock or farm inputs.
- Keep the installment within about a third of your net income.
- Protect your guarantors by repaying on time.
- Keep a copy of the repayment schedule to check against your statements.
FAQs
Is the result exact?
It is an estimate. Your final installment depends on the rate in your loan agreement, the repayment start date and any charges.
Can I repay early?
Many SACCOs allow early repayment or loan top-ups. Confirm the terms with Apstar DT Sacco.
