Updated 31 October 2026
Kenya National Police DT Sacco lends up to 5 times your deposits on almost all of its BOSA loans. Rates run from 10% a year on a reducing balance for the 12-month Bima Loan to 15.6% a year for the 108-month Jumbo Loan. The Normal, Refinancing, Emergency, School Fees and Asset Finance loans all cost 12% a year. Muslim members can take interest-free loans for a one-off 7% commission. All loans are paid out through POFOSA, the Sacco’s front office. Monthly deposits are set at 12% of basic salary. The figures below come from the Sacco’s credit products page, checked on October 31, 2026.
Police Sacco BOSA loan schedule
| Loan | Max repayment period | Multiplier | Interest (reducing balance) |
|---|---|---|---|
| Jumbo Loan | 108 months | 5x deposits | 15.6% p.a. |
| Premier Loan | 96 months | 5x | 15% p.a. |
| Mega Loan | 84 months | 5x | 14% p.a. |
| Super Loan | 72 months | 5x | 14% p.a. |
| Refinancing Loan | 60 months | 5x | 12% p.a. |
| Normal Loan | 48 months | 5x | 12% p.a. |
| Emergency Loan | 24 months | 5x | 12% p.a. |
| Asset Financing (tanks, solar, appliances) | 24 months | 5x | 12% p.a. |
| School Fees Loan | 12 months | 5x | 12% p.a. |
| Bima Loan | 12 months | 5x | 10% p.a. |
| Muslim Loan | 60 months | 4x | No interest; 7% one-off commission |
| Muslim Emergency Loan | 24 months | 4x | No interest; 7% one-off commission |
Members who take a Muslim Loan do not receive dividends. The Asset Financing Loan works through partner suppliers of water tanks, solar panels and household electronics.
Police Sacco salary advances and quick cash
These products are for members whose salary goes through POFOSA:
| Product | Repayment | Interest |
|---|---|---|
| M-Sasa | 3 months | 2% a month |
| FOSA Flex | 6 months | 3% a month |
| FOSA Golden | 9 months | 3.5% on reducing balance |
| FOSA Ultra | 12 months | 4% a month |
| Q-Cash (max KSh 40,000) | 2 equal instalments within 60 days | 5% charged at disbursement |
| Dividend Advance (up to 50% of last year’s dividend) | Recovered from dividends | 10% of the amount advanced |
Which Police Sacco loan is cheapest for you?
Longer loans cost more twice over: the rate is higher and you pay it for longer. Here is our own estimate using a standard amortisation formula, not a Sacco quote. KSh 1 million on the Normal Loan (12%, 48 months) costs about KSh 26,300 a month and roughly KSh 264,000 in total interest. On the Jumbo Loan (15.6%, 108 months) the monthly payment drops to about KSh 17,300, but total interest rises to roughly KSh 867,000.
So choose Jumbo or Premier only if your payslip cannot carry a shorter loan. The Bima Loan at 10% is the cheapest product, but it must be repaid within 12 months. The FOSA salary advances charge 2% to 4% a month, or 24% to 48% a year at simple rates, so use them only to bridge a short gap.
How to apply
- Make sure your monthly deposits (12% of basic pay) are up to date, since every limit is a multiple of deposits.
- Download the loan request form from the Sacco’s credit products page.
- Attach your latest payslips and guarantor details and submit through POFOSA or a Sacco office.
- Check that the new deduction leaves you within the payroll one-third rule.
If you are thinking of moving a loan from another lender, read our Sacco loan buy-off guide. To see how Police Sacco compares with others, check our Sacco loan comparison.
Frequently asked questions
What is the Police Sacco Bima Loan?
A 12-month loan of up to 5 times your deposits at 10% a year on a reducing balance, the lowest rate in the Sacco’s BOSA range.
How many times my deposits can I borrow from Police Sacco?
5 times on most loans, and 4 times on the Muslim loans.
What is POFOSA?
It is the Sacco’s front office (FOSA), and all Police Sacco loans are paid out through it.
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