LoansLoans Within Savings
Loans Within Savings
from 1%/mo reducing balanceFor amounts below your savings balance — access your loan on the day of application, no collateral needed, with insurance protection.
Interest rate
1%/month
reducing balance
Amounts from
GH₵100.00
no fixed ceiling
Repayment term
3–60 months
flexible monthly repayment
Borrowing power
1× savings
maximum relative to your balance
Features
What this loan gives you
- Flexible monthly repayment
- Very low interest rates (reducing balance)
- Insurance protection
- Access to loan on the day of application
- No collateral is needed
Requirements
Bring these to apply
- Minimum shares
- Ghana Card
- Loan application form
- Proof of revenue / income
- Proof of residence (GPS address)
How it works
From application to cash in four steps
Check your eligibility
You need the minimum shareholding and, for most products, six months of savings history with KAMCCU.
Apply online or at a branch
Complete the loan application form online, or pick one up at KAMCCU House, Kasoa or Amasaman and return it with your documents.
Committee review
The elected loan committee reviews your application against the loan policy — fairly, and usually quickly.
Disbursement
Approved funds are credited to your account. Loans within savings can be accessed on the day of application.
Repayment estimate
See your monthly payment before you commit
Interest is charged on your reducing balance — as you repay, the interest portion shrinks every month. Slide the amount and term to see what the Loans Within Savings costs.
Open the full calculator with amortization scheduleExplore more