Loans
Productive credit, on member terms.
Loans designed around the realities of smallholder income — aligned with harvest, school calendar and household cycles.
Credit with context
Loans follow the member's real income cycle.
Credit decisions are grounded in savings history, household needs and farming calendars, with clear review by the SACCO credit committee.
Loan products
Four standard products.
| Product | Purpose | Term | Interest |
|---|---|---|---|
| Agri-Input Loan | Fertiliser, seedlings, equipment | 6 – 12 months | 1.5% / month |
| School Fees Loan | Term-aligned, lump-sum disbursement | Per school term | 1.4% / month |
| Emergency Loan | Medical and household emergencies | Up to 6 months | 1.8% / month |
| Development Loan | Home improvement, livestock, side-business | 12 – 36 months | 1.5% / month |
Indicative reducing-balance rates. Exact terms confirmed by the credit committee at approval.
Repayment estimator
See what a loan would cost.
Move the sliders to estimate the monthly repayment on a reducing-balance basis.
UGX 2,000,000
- Monthly repayment
- UGX 183,360
- Total interest
- UGX 200,320
- Total repayment
- UGX 2,200,320
Indicative estimate on a reducing-balance basis. Exact terms are confirmed by the credit committee at approval.
How it works
Four steps to a Rubanga loan.
01
Build savings
Active SACCO membership for at least 3 months with consistent contributions.
02
Apply
Complete the loan form (downloadable) with two co-guarantors from the SACCO.
03
Review
Credit committee reviews against your savings, income evidence and repayment capacity.
04
Disburse & repay
Funds disbursed within 5 working days. Repayments aligned with harvest or salary cycles.