These are issued to finance education i.e. paying of school fees for students.
Features
• Maximum Repayment Period is 12 Months.
• Cheque written directly to School Account.
• Attractive Interest rates.
• Wide range of securities are acceptable (Guarantors & Chattel Mortgage).
• A member is required to attach school/College/University fees struture

Loans issued to Zoghori Sacco members to purchase Zoghori Sacco and Zoghori Investment Ltd plots on sale.
Features
• One must have enough deposits i.e 3 times your deposits must be equal to the purchase price of the plot
• The plot stands as guarantorship for the loan, no hustle to look for guarantors.
• If you have an existing loan you still qualify for the loan if the balance of your loan plus the cost of your plot does not exceed 3 times your total deposits.
• Maximum repayment period is 36 months

• Members can qualify to apply for loan after regular/consistent contributions for 6 months with atleast Ksh 6,000/- minimum savings.
• A member fills the loan application form provided and attaches the required documents. This is after payment of loan application fee of Kshs350/-
• After loan guarantorship/security (if necessary) the form is presented to the Sacco credit committee for approval then processing.
• Once processed the member is issued his/her loan through a cheque(Co-op bank cheque).
• Member commences repayment after one month grace period.
• Qualification of the loan is based on members total monthly savings(multiplier), ability to pay and security/guarantors provided.
1st Loan=X2 of total monthly savings.
2nd Loan=X2 of total monthly savings.
3rd Loan=X3 of total monthly savings.
N/B: A member qualifies to get X3 Loan if the previous two loans of X2 have been repayed without any defaults.