Look for a bank or SACCO that offers loans with low interest rates and fees. Remember to look for a loan with the lowest annual percentage rate. Banks and SACCOS are the safest and most affordable places to get loans. In order to get a loan from a SACCO, you must have been a member for a certain period of time and must have saved a certain amount of money. If you need a small loan and you don't have any security, you can get a loan from a micro lender.