As a member of a SACCO, you are allowed to borrow within the limits of their savings. The standard is a member can borrow up to 3-4times their savings, provided they give a form of security. If you wish to take a loan after the required 12 months of regular contribution and depending on the type of loan, you will be eligible to borrow up to four times (4x) the amount you have in your Sacco Main Savings Account.