01Personal Loan
Flexible finance for life’s planned and unexpected moments.
Interest rate
12% per month
Payback period
Up to 24 months
Eligibility
Up to 6× total contributions
Regular contributions and an active membership record apply.
Member owned. Future focused.
Your goals.
Our shared future.
Save with purpose, access responsible credit, and grow with a financial community that puts members first. Operating across Malawi from the Capital City of Lilongwe.
About us
Stronger finances start with shared purpose.
Capital City SACCO operates across Malawi from the Capital City of Lilongwe.
Who we are
Capital City SACCO is a member-owned financial cooperative based in Lilongwe and serving members across Malawi, built to help people save consistently, borrow responsibly, and make meaningful progress.
Our mission
To improve members’ financial wellbeing through accessible services, prudent stewardship, and a culture of trust and mutual growth.
2026 at a glance
Progress you can measure.
0
Active members
0%
Women and youth
0%
Return on investment
MWK 0m
Loans disbursed
Loan products
Finance designed around real life.
Slide through our products to view interest rate, repayment period, and terms.
01
02Business Loan
Working capital to help your enterprise move with confidence.
Interest rate
12% per month
Payback period
Up to 36 months
Eligibility
Up to 6× total contributions
A simple business purpose and repayment plan may be requested.
03Education Loan
Keep school fees and learning costs from slowing progress.
Interest rate
12% per month
Payback period
Up to 18 months
Eligibility
Up to 6× total contributions
Proof of enrolment or a fee schedule may be requested.
04Emergency Loan
A straightforward option when an urgent need cannot wait.
Interest rate
12% per month
Payback period
Up to 12 months
Eligibility
Up to 6× total contributions
Designed for urgent, short-term member needs.
Rates and terms shown are illustrative only and remain subject to Capital City SACCO approval and official lending policy.
Loan calculator
See what your savings could unlock.
Estimate your borrowing eligibility at up to six times your total contributions and explore repayments.
This estimate uses a 12% monthly reducing-balance rate. It is not a loan offer or approval.
Estimated eligibility
MWK 3,600,000
Amount calculated
MWK 1,000,000
Monthly repayment
MWK 161,437
Total interest
MWK 937,242
Total repayment
MWK 1,937,242
Sample monthly rate
12%
Membership
One member. One voice. A stronger community.
Become a member
Belong to something built for you.
Membership gives you a stake in the SACCO and access to services created around your financial journey.
- Build a disciplined savings habit
- Access member loan products
- Participate in SACCO decisions
- Grow within a trusted community
01
Apply
02
We review
03
Start saving
Membership application
Take your first step.
Share your details and our membership team will guide you through the next steps.
Your details are only used to respond to this membership enquiry.
