Short-Term & Emergency Loans
Quick, accessible financing engineered to meet life’s urgent priorities. Whether catering to school fees, immediate emergencies, lifestyle upgrades, or mobile micro-advances, our short-term credit solutions are disbursed swiftly with minimal hassle.
Explore Our Short-Term Facilities
From instant cash on your mobile device to comprehensive school fees and emergency relief, choose the facility tailored to your immediate needs.
12 Months Max
Emergency Loan
Granted for unforeseen circumstances to give you immediate relief and financial cushioning when unforeseen events occur.
12 Months
3x Savings
At least 2
Proof of Need
- Maximum repayment period = 12 months
- Qualifying shares = 3x savings
- At least 2 guarantors
- Member must have contributed for at least 6 months
- Two latest payslips / bank statement for 3 months
- A copy of National ID for the member
- Proof of emergency is required
Primary & High School
School Fees Loan
Dedicated to catering for primary and secondary education needs, ensuring your children’s schooling continues uninterrupted.
12 Months
3x Savings
At least 2
Fee Structure
- Maximum repayment period = 12 months
- Qualifying shares = 3x savings
- At least 2 guarantors
- Members must have contributed for at least 6 months
- Two latest payslips / bank statement for 3 months
- Official fees structure from educational institution
- A copy of National ID for the member
No Emergency Proof
Super Emergency Loan
A fast-track emergency facility issued to qualifying members without requiring documentary proof of emergency.
12 Months
3x Savings
At least 2
Not Required
- Maximum repayment period = 12 months
- Qualifying shares = 3x savings
- At least 2 guarantors
- Member must have contributed for at least 6 months
- Two latest payslips / bank statement for 3 months
- A copy of National ID for the member
- Issued without proof of emergency
24 Months Max
Instant Loan
A rapid response loan designed for quick financial turnaround upon submitting a duly filled application form.
24 Months
3x Savings
At least 2
Rapid Action
- Maximum repayment period = 24 months
- Qualifying shares = 3x savings
- At least 2 guarantors
- Member must have contributed for at least 6 months
- Two latest payslips / bank statement for 3 months
- A copy of National ID for the member
Up to Ksh 100k
Life Style Loan
Empowers members to acquire comfortable household assets, modern home furniture, consumer electronics, and appliances.
12 Months
Ksh 100,000
At least 2
Home & Tech
- Maximum repayment period = 12 months
- Maximum loan amount is Kshs. 100,000.00
- At least 2 guarantors
- Member must have contributed for at least 6 months
- Two latest payslips
- A copy of National ID for the member
24/7 Mobile Access
Nawacash Mobile Loan
Instant, round-the-clock mobile financing accessible straight from your mobile phone whenever you need immediate liquidity.
1 Month
24/7 / 365
To Phone
Credit Score
- Maximum repayment period = 1 month
- Must be an active Nairobi Water Sacco member
- Maximum limit depends on member’s credit rating and history
- Instant automated processing and mobile disbursement
Higher Education
Scholar Plus Loan
Specialized higher education financing structured for undergraduate, postgraduate, and professional certifications.
24 Months
3x Savings
At least 2
Undergrad+
- Maximum repayment period = 24 months
- Qualifying shares = 3x savings
- At least 2 guarantors
- Member must have contributed for at least 6 months
- Two latest payslips / bank statement for 3 months
- Official institution fees structure
- A copy of National ID for the member