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Winas SACCO Development Loan

Winas SACCO

Last updated: January 14, 2026

|Last verified: Jan 14, 2026
0/5
Based on 0 Reviews
Interest Rate
12% p.a.
Loan Amount
Ksh 50,000 - Ksh 10,000,000
Approval Time
24-72 hours
Processing Fee
KshNaN

Rating Breakdown

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Total: 0 Reviews

Pros & Cons

Pros

  • High 16.5% dividend (2024)
  • 12.5% interest on deposits
  • Open membership
  • Strong KES 14.4B asset base
  • Mobile banking available
  • FOSA services

Cons

  • 6-month membership required
  • Requires guarantors
  • Must build deposits first

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Product Details

Features

  • 45,000+ active members
  • KES 14.4 billion in assets (2024)
  • 16.5% dividend on shares (2024)
  • 12.5% interest on deposits
  • Borrow up to 3x deposits
  • Multiple loan products
  • FOSA banking services
  • Mobile banking via app
  • Countrywide branch network

Eligibility Requirements

Age: 18 - 65 years
Employment: Open to all Kenyans

Required Documents

  • National ID
  • Membership certificate
  • Payslips or income proof
  • Guarantor forms

Repayment Options

Check-offBank transferM-PesaFOSA deduction

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Application takes less than 10 minutes

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