Best SACCO Loans in Kakamega 2026
Compare 69+ sacco loans from 3+ banks in Kakamega County. 62% of adults have access to financial services.
There are 69 sacco loans available in Kakamega County, Kenya, with 3 banks serving the area. Interest rates range from 10.9% to 18.9% monthly. Population: 1,867,579.
Kakamega County Financial Overview
Kakamega is the headquarters of the former Western Province and hosts the largest indigenous forest in Kenya. The sugar industry and small-scale gold mining are significant economic activities.
Main Industries
Popular Financial Products
Banks Offering SACCO Loans in Kakamega
Compare SACCO Loans Available in Kakamega
Afya SACCO Loan
Afya SACCO
KES 10,000 - KES 10,000,000not confirmed by the provider
- ✓Exclusive for healthcare professionals
- ✓Medical equipment financing
Ardhi SACCO Development Loan
Ardhi SACCO
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓Tailored for lands, survey, and physical planning professionals
- ✓Plot-purchase loan with title search assistance
Bandari SACCO Development Loan
Bandari SACCO
KES 50,000 - KES 12,000,000not confirmed by the provider
- ✓Primary SACCO for Kenya Ports Authority staff
- ✓Coastal dhow business asset finance
Bingwa SACCO Development Loan
Bingwa SACCO
KES 30,000 - KES 7,000,000not confirmed by the provider
- ✓Kirinyaga SACCO bridging teachers and Mwea rice farmers
- ✓TSC check-off for Kirinyaga teachers
Boresha SACCO Development Loan
Boresha SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Deep roots in Nyeri and central Kenya farming communities
- ✓Coffee and tea harvest-aligned repayment schedules
Capital SACCO Development Loan
Capital SACCO
KES 20,000 - KES 5,000,000not confirmed by the provider
- ✓Strong presence in Meru coffee and miraa belts
- ✓Miraa-trade working capital with weekly repayments
Centenary SACCO Development Loan
Centenary SACCO
KES 30,000 - KES 7,000,000not confirmed by the provider
- ✓Catholic faith-based SACCO with diocesan network
- ✓Parish-backed development loan
Chai SACCO Development Loan
Chai SACCO
KES 30,000 - KES 8,000,000not confirmed by the provider
- ✓Common bond with KTDA tea factories in western highlands
- ✓Bonus-linked repayment for smallholder tea growers
Cosmopolitan SACCO Development Loan
FeaturedCosmopolitan SACCO
KES 30,000 - KES 10,000,000not confirmed by the provider
- ✓Open membership - any Kenyan can join
- ✓FOSA banking services
Kenya County Government SACCO Development Loan
County Government SACCO
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓Cross-county common bond for county government staff
- ✓Devolution-stage hardship loan
Dhabiti SACCO Development Loan
Dhabiti SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Eastern Kenya SACCO for teachers and dairy farmers
- ✓Dairy milk cheque backed loan with KCC verification
Faidika SACCO Development Loan
Faidika SACCO
KES 20,000 - KES 5,000,000not confirmed by the provider
- ✓Open-bond community SACCO for Nairobi periphery
- ✓Chama group credit with rotating guarantors
Fortune SACCO Development Loan
Fortune SACCO
KES 30,000 - KES 8,000,000not confirmed by the provider
- ✓Rice-farmer loan aligned to Mwea paddy cycle
- ✓Macadamia growers' input loan with aggregator tie-up
Harambee SACCO Loan
FeaturedHarambee SACCO
KES 20,000 - KES 20,000,000not confirmed by the provider
- ✓Government salary check-off
- ✓Emergency loans available
Hazina SACCO Development Loan
Hazina SACCO
1% monthly (12% p.a.)
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓Strong government employee base
- ✓Automatic salary check-off
HMRC SACCO Development Loan
HMRC SACCO
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓Medical research SACCO for KEMRI and allied staff
- ✓Fellowship bridging loan for research grants
Imarika SACCO Development Loan
Imarika SACCO
KES 20,000 - KES 5,000,000not confirmed by the provider
- ✓Mombasa-based SACCO
- ✓Strong coastal presence
Jamii Yetu SACCO Development Loan
Jamii Yetu SACCO
KES 10,000 - KES 3,000,000not confirmed by the provider
- ✓Community SACCO for Nairobi informal-settlement residents
- ✓Boda boda asset finance
Kenpipe SACCO Development Loan
Kenpipe SACCO
KES 50,000 - KES 12,000,000not confirmed by the provider
- ✓Dedicated SACCO for Kenpipe Operations staff
- ✓Salary check-off via Kenpipe HR automation
Kenya Bankers SACCO Loan
Kenya Bankers SACCO
KES 50,000 - KES 15,000,000not confirmed by the provider
- ✓Exclusive for banking professionals
- ✓Check-off through employer
Kenya Midland SACCO Development Loan
Kenya Midland SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Midlands SACCO serving Nyeri, Nyandarua and Laikipia
- ✓Potato and dairy farmer seasonal loans
Kenya Police SACCO Loan
FeaturedKenya Police SACCO
12% p.a.
KES 10,000 - KES 10,000,000not confirmed by the provider
- ✓Salary check-off repayment
- ✓Emergency loan facility
Kipokezi SACCO Development Loan
Kipokezi SACCO
KES 20,000 - KES 5,000,000not confirmed by the provider
- ✓Rift Valley community SACCO - open bond
- ✓Maize and potato farmer seasonal loans
Kipsigis Edis SACCO Development Loan
Kipsigis Edis SACCO
1% monthly (12% p.a.)
KES 30,000 - KES 8,000,000not confirmed by the provider
- ✓Teachers and civil servants SACCO in tea-growing highlands
- ✓TSC check-off coverage across Kericho and Bomet
Kisumu Teachers SACCO Development Loan
Kisumu Teachers SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓TSC check-off for Kisumu County teachers
- ✓Dholuo-language customer service desk
Kitui Teachers SACCO Development Loan
Kitui Teachers SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓TSC check-off for Kitui County teachers only
- ✓ASAL-friendly drought-hardship loan
Kenya Meat Commission SACCO Development Loan
KMC SACCO
KES 30,000 - KES 7,000,000not confirmed by the provider
- ✓Common bond covering KMC staff and contracted ranchers
- ✓Livestock asset finance against KMC supply contract
Kenya Union of Savings & Credit Cooperatives Development Loan
KUSCCO
KES 100,000 - KES 30,000,000not confirmed by the provider
- ✓Inter-SACCO liquidity support loans
- ✓Bulk purchase loans for cooperative societies
Kwetu SACCO Development Loan
Kwetu SACCO
KES 20,000 - KES 5,000,000not confirmed by the provider
- ✓Ukambani SACCO serving Machakos and Makueni
- ✓Mango and citrus farmer seasonal loans
Kenya Wildlife Service SACCO Development Loan
KWS SACCO
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓Purpose-built for KWS rangers and park wardens
- ✓Hardship loans for remote-posting officers
Mafanikio SACCO Development Loan
Mafanikio SACCO
KES 20,000 - KES 5,000,000not confirmed by the provider
- ✓Open-bond SACCO for Meru business community
- ✓Short-tenure working capital for cereals traders
Magadi SACCO Development Loan
Magadi SACCO
KES 30,000 - KES 5,000,000not confirmed by the provider
- ✓Mining sector SACCO
- ✓Employer check-off
Maisha Bora SACCO Development Loan
Maisha Bora SACCO
1% monthly (12% p.a.)
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Open-bond SACCO accepting salaried staff and business owners
- ✓Chama group borrowing with shared guarantors
Mentor SACCO Development Loan
Mentor SACCO
KES 30,000 - KES 8,000,000not confirmed by the provider
- ✓Open membership
- ✓FOSA banking
Metropolitan National SACCO Development Loan
Metropolitan National SACCO
KES 50,000 - KES 12,000,000not confirmed by the provider
- ✓Strong urban professional membership base around Nairobi
- ✓FOSA savings accounts with debit card access
Mhasibu SACCO Development Loan
Mhasibu SACCO
1% monthly (12% p.a.)
KES 100,000 - KES 20,000,000not confirmed by the provider
- ✓Exclusive to ICPAK-registered accountants
- ✓Professional indemnity-backed emergency loan
Mombasa Teachers SACCO Development Loan
Mombasa Teachers SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓TSC check-off for Mombasa, Kwale and Kilifi teachers
- ✓Swahili-first customer communication
Mudete Farmers SACCO Development Loan
Mudete Farmers SACCO
KES 20,000 - KES 4,000,000not confirmed by the provider
- ✓Western Kenya SACCO for smallholder farmers
- ✓KTDA bonus-backed tea grower loan
Mwalimu National SACCO Development Loan
FeaturedMwalimu National SACCO
KES 50,000 - KES 15,000,000not confirmed by the provider
- ✓Automatic TSC check-off deduction
- ✓Multiple loan products available
Mwingi Mwananchi SACCO Development Loan
Mwingi Mwananchi SACCO
KES 10,000 - KES 3,000,000not confirmed by the provider
- ✓Community SACCO for Mwingi and neighbouring ASAL areas
- ✓Drought hardship loan with extended grace
Mwingi Teachers SACCO Development Loan
Mwingi Teachers SACCO
KES 30,000 - KES 5,000,000not confirmed by the provider
- ✓TSC check-off for Mwingi teachers only
- ✓Education fees loan for local boarding schools
Mwito SACCO Development Loan
Mwito SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Ecumenical SACCO serving Kenyan clergy across denominations
- ✓Parsonage/housing loan with church guarantee
Nakuru Teachers SACCO Development Loan
Nakuru Teachers SACCO
KES 30,000 - KES 8,000,000not confirmed by the provider
- ✓TSC check-off for all Nakuru teachers
- ✓School fees loan with term-calendar schedule
Nation SACCO Development Loan
FeaturedNation SACCO
KES 30,000 - KES 5,000,000not confirmed by the provider
- ✓Media industry SACCO
- ✓Automatic NMG check-off
Ndege Chai SACCO Development Loan
Ndege Chai SACCO
KES 20,000 - KES 6,000,000not confirmed by the provider
- ✓Tea-industry SACCO for Finlays and UTK employees
- ✓Tea bonus-backed loan with estate verification
Ngarisha SACCO Development Loan
Ngarisha SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Kisii highland SACCO serving teachers and farmers
- ✓TSC check-off for Kisii County teachers
Nyati SACCO Development Loan
FeaturedNyati SACCO
KES 30,000 - KES 5,000,000not confirmed by the provider
- ✓Competitive deposit interest
- ✓Open membership
Odorero SACCO Development Loan
Odorero SACCO
KES 20,000 - KES 4,000,000not confirmed by the provider
- ✓Kericho community SACCO with open-bond structure
- ✓Matatu industry working capital loan
Ollin SACCO Development Loan
Ollin SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Western Kenya SACCO anchored in Kakamega civil service
- ✓Mumias Sugar payroll check-off integration
Orient Commercial SACCO Development Loan
Orient Commercial SACCO
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓SACCO for Nairobi commercial traders and SMEs
- ✓Import LC-backed working capital loan
Ports SACCO Development Loan
FeaturedPorts SACCO (Mombasa Port)
KES 50,000 - KES 8,000,000not confirmed by the provider
- ✓Automatic salary check-off
- ✓Emergency loan facility
Safaricom SACCO Loan
FeaturedSafaricom SACCO
KES 50,000 - KES 20,000,000not confirmed by the provider
- ✓Exclusive Safaricom employee SACCO
- ✓Car loans
Sheria SACCO New Premier Loan
Sheria SACCO
1.2% monthly (14.4% p.a.)
KES 50,000 - KES 30,000,000
- ✓Dedicated SACCO for legal and judicial professionals
- ✓Advocate practising certificate financing
Shoppers SACCO Development Loan
Shoppers SACCO
KES 20,000 - KES 5,000,000not confirmed by the provider
- ✓Membership open to all major Kenyan supermarket chain employees
- ✓M-Pesa disbursement tuned for informal retail cash flow
Siraji SACCO Development Loan
Siraji SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Laikipia-Meru SACCO serving ranch and highland farming
- ✓Livestock finance loan for dairy/breeder cattle
Skyline SACCO Development Loan
Skyline SACCO
KES 100,000 - KES 15,000,000not confirmed by the provider
- ✓Dedicated SACCO for the Kenyan aviation industry
- ✓Multi-currency FOSA for crew paid in USD/EUR
Solution SACCO Development Loan
Solution SACCO
KES 30,000 - KES 8,000,000not confirmed by the provider
- ✓Open membership
- ✓FOSA banking
Stima SACCO Development Loan
FeaturedStima SACCO
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓Salary check-off deduction
- ✓No CRB listing for defaults
Taifa SACCO Development Loan
Taifa SACCO
KES 30,000 - KES 8,000,000not confirmed by the provider
- ✓Meru SACCO serving teachers and professionals
- ✓TSC check-off for Meru County teachers
Telepost SACCO Development Loan
Telepost SACCO
KES 50,000 - KES 12,000,000not confirmed by the provider
- ✓SACCO for Kenya's telecom and postal sector
- ✓Salary check-off Telkom/Posta/CA payroll
Tembo SACCO Development Loan
Tembo SACCO
KES 100,000 - KES 15,000,000not confirmed by the provider
- ✓Dedicated SACCO for Kenya Pipeline Company employees
- ✓Access at KPC depot locations across the country
Tower SACCO Loan
Tower SACCO
KES 5,000 - KES 3,000,000not confirmed by the provider
- ✓Open membership SACCO
- ✓Mobile SACCO services
Trans-Nation SACCO Development Loan
Trans-Nation SACCO
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓Open membership
- ✓FOSA banking services
Ukulima SACCO Development Loan
Ukulima SACCO
1% - 1.2% monthly (12% - 14.4% p.a.)
KES 50,000 - KES 12,000,000not confirmed by the provider
- ✓Historic SACCO rooted in Ministry of Agriculture common bond
- ✓Farm input loan timed to planting seasons
UN SACCO Loan
United Nations SACCO
KES 100,000 - KES 30,000,000not confirmed by the provider
- ✓Multi-currency loans (USD/KES)
- ✓Car loans
Unaitas SACCO Loan
FeaturedUnaitas SACCO
KES 5,000 - KES 5,000,000not confirmed by the provider
- ✓Open membership SACCO
- ✓Mobile banking via app
Universal Traders SACCO Development Loan
Universal Traders SACCO
KES 30,000 - KES 8,000,000not confirmed by the provider
- ✓Trader-focused SACCO for Eastern Kenya markets
- ✓Stock-market-day disbursement for aggregators
Winas SACCO Development Loan
FeaturedWinas SACCO
KES 50,000 - KES 10,000,000not confirmed by the provider
- ✓Multiple loan products
- ✓FOSA banking services
Yetu SACCO Development Loan
Yetu SACCO
KES 30,000 - KES 6,000,000not confirmed by the provider
- ✓Central Kenya community SACCO in Kiambu
- ✓Coffee farmer bonus-backed loan
Tips for Getting SACCO Loans in Kakamega
- 💡Sugar cane farmers can access advance payments from millers
- 💡SACCOs are strong in Western Kenya - explore member rates
- 💡Consider mobile loans for small amounts under KES 50,000
- 💡Bodaboda operators can find asset financing for motorcycles
How to Apply for SACCO Loans in Kakamega
- Compare: Use PesaMarket to compare sacco loans from 3+ banks
- Check eligibility: Review requirements for your preferred product - income, age, CRB status
- Gather documents: Prepare ID, KRA PIN, payslips or M-Pesa statements
- Apply: Visit a branch in Kakamega or apply online through the bank's website/app
- Wait for approval: Most sacco loans are processed within 24-72 hours
Frequently Asked Questions: SACCO Loans in Kakamega
What are the best SACCO Loans in Kakamega County?
The best sacco loans in Kakamega include products from KCB, Equity Bank, Co-operative Bank. Interest rates start from around 13.9% p.a. depending on the product and your credit profile. Compare all 69+ options on PesaMarket to find the best fit for your needs.
How do I apply for sacco loans in Kakamega?
To apply for sacco loans in Kakamega: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Kakamega or Mumias or apply online. 4) Submit required documents including ID, KRA PIN, and proof of income. Most applications are processed within 24-48 hours.
Which banks have branches in Kakamega County?
Major banks with branches in Kakamega include: KCB (5 branches - Kakamega, Mumias, Butere); Equity Bank (5 branches - Kakamega, Mumias, Malava); Co-operative Bank (4 branches - Kakamega, Mumias). You can also access mobile banking and digital loans from anywhere in Kakamega.
What is the minimum salary to qualify for sacco loans in Kakamega?
Minimum salary requirements for sacco loans in Kakamega vary by provider. Most banks require a minimum monthly income of KES 15,000-30,000 for personal loans. Digital lenders like Branch, Tala, and M-Shwari have lower requirements. Self-employed individuals can qualify with 6+ months of M-Pesa statements or business records.
Are there sacco loans without CRB check in Kakamega?
Some digital lenders in Kakamega offer sacco loans with flexible CRB requirements. M-Shwari, Fuliza, and some app-based lenders may approve loans for first-time borrowers or those rebuilding credit. However, most banks will check your CRB status. You can check your CRB report for free once a year at any CRB bureau.
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SACCO Loans in Kakamega's Major Towns
Whether you're in Kakamega, Mumias, Butere, Khayega, or any other part of Kakamega County, you can access sacco loans from leading financial institutions. Kakamega has the most bank branches, but mobile banking and digital loans are available across the entire Western region. Our platform helps you compare rates and find the best sacco loans for your needs.
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Compare 69+ sacco loans from top banks in Kakamega. Find the best rates and apply online today.