- The maximum amount one can borrow is 4 times Deposits up to Ksh. 3 Million.
- Repayment period is up to 60 months for vehicles not older than 3 years and 48 months for vehicles up to 8 years.
- Interest rate is 14.5% per year on the reducing balance.
- Lending margin is 70% for new vehicles and 60% for used vehicles.
- Since the loans are secured, contract period is not a barrier but should be at least 6 months to expiry
- Joint registration of the vehicle between the member and the UNSACCO.
- The vehicle is to be comprehensively insured during the lifespan of the loan.