Skip to main content
🇰đŸ‡Ē PROUDLY KENYAN

SACCO Loans in Kenya

Compare SACCO loans with 10-14% interest rates. Earn dividends up to 20% while borrowing. Join top SACCOs like Stima, Mwalimu, and Winas.

|Last verified: Apr 16, 2026

There are 69 sacco loans available in Kenya with interest rates from 10% to 14% per annum. Amounts range from KES 5,000 to KES 30,000,000. PesaMarket updates this data regularly.

Showing 69 of 69 products

⭐ Doctors

Afya SACCO Loan

Afya SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
3-5 days
Processing Fee
1%
  • Exclusive for healthcare professionals
  • 12% competitive interest rate
Apply Now
⭐ Anyone seeking high dividends

Cosmopolitan SACCO Development Loan

Cosmopolitan SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1%
  • 16% dividend on shares (2024)
  • 12.4% interest on deposits
Apply Now
⭐ Civil servants

Harambee SACCO Loan

Harambee SACCO

Interest Rate
12%
per annum
Max Amount
KES 20000K
Approval Time
3-5 days
Processing Fee
1%
  • Highest multiplier - up to 4x deposits
  • Lowest rate at 12% p.a.
Apply Now
⭐ Government employees

Hazina SACCO Development Loan

Hazina SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1%
  • KES 12.7 billion in assets
  • Strong government employee base
Apply Now
⭐ Coastal residents

Imarika SACCO Development Loan

Imarika SACCO

Interest Rate
12%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1%
  • Mombasa-based SACCO
  • Strong coastal presence
Apply Now
⭐ Bank employees

Kenya Bankers SACCO Loan

Kenya Bankers SACCO

Interest Rate
12%
per annum
Max Amount
KES 15000K
Approval Time
5-7 days
Processing Fee
1%
  • Exclusive for banking professionals
  • 4x loan multiplier
Apply Now
⭐ Kenya Police officers

Kenya Police SACCO Loan

Kenya Police SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
3-5 days
Processing Fee
1%
  • Loans up to 3x your deposits
  • Competitive 12% interest rate
Apply Now
⭐ Magadi Soda employees

Magadi SACCO Development Loan

Magadi SACCO

Interest Rate
12%
per annum
Max Amount
KES 5000K
Approval Time
24-48 hours
Processing Fee
1%
  • 20%+ dividend on shares - top tier
  • Mining sector SACCO
Apply Now
⭐ Anyone seeking competitive returns

Mentor SACCO Development Loan

Mentor SACCO

Interest Rate
12%
per annum
Max Amount
KES 8000K
Approval Time
24-72 hours
Processing Fee
1%
  • 15% dividend on shares (2024)
  • Open membership
Apply Now
⭐ Teachers (TSC employees)

Mwalimu National SACCO Development Loan

Mwalimu National SACCO

Interest Rate
12%
per annum
Max Amount
KES 15000K
Approval Time
24-72 hours
Processing Fee
1%
  • Kenya's largest SACCO with 100,000+ members
  • Borrow up to 4 times your deposits
Apply Now
⭐ Nation Media employees

Nation SACCO Development Loan

Nation SACCO

Interest Rate
12%
per annum
Max Amount
KES 5000K
Approval Time
24-48 hours
Processing Fee
1%
  • 20% dividend on shares - highest tier in Kenya
  • 11% interest on deposits
Apply Now
⭐ High dividend seekers

Nyati SACCO Development Loan

Nyati SACCO

Interest Rate
12%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1%
  • 20%+ dividend on shares - top tier
  • Competitive deposit interest
Apply Now
⭐ KPA employees

Ports SACCO Development Loan

Ports SACCO (Mombasa Port)

Interest Rate
12%
per annum
Max Amount
KES 8000K
Approval Time
24-48 hours
Processing Fee
1%
  • 20% dividend on shares (2024) - among highest in Kenya
  • 12.5% interest on deposits
Apply Now
⭐ Safaricom employees

Safaricom SACCO Loan

Safaricom SACCO

Interest Rate
12%
per annum
Max Amount
KES 20000K
Approval Time
3-5 days
Processing Fee
1%
  • Exclusive Safaricom employee SACCO
  • 4x loan multiplier
Apply Now
⭐ Open membership seekers

Solution SACCO Development Loan

Solution SACCO

Interest Rate
12%
per annum
Max Amount
KES 8000K
Approval Time
24-72 hours
Processing Fee
1%
  • 15% dividend on shares
  • Open membership
Apply Now
⭐ Energy sector employees

Stima SACCO Development Loan

Stima SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
24-48 hours
Processing Fee
1%
  • Borrow up to 4 times your deposits
  • Low 12% interest on reducing balance
Apply Now
⭐ Chama groups

Tower SACCO Loan

Tower SACCO

Interest Rate
14%
per annum
Max Amount
KES 3000K
Approval Time
24-72 hours
Processing Fee
1%
  • Open membership SACCO
  • Loans up to 3x deposits
Apply Now
⭐ Anyone seeking good returns

Trans-Nation SACCO Development Loan

Trans-Nation SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1%
  • 15% dividend on shares (2024)
  • KES 12.02 billion in assets
Apply Now
⭐ UN agency employees

UN SACCO Loan

United Nations SACCO

Interest Rate
10% - 12%
per annum
Max Amount
KES 30000K
Approval Time
5-7 days
Processing Fee
0.5%
  • Lowest interest rates from 10%
  • 4x loan multiplier
Apply Now
⭐ Self-employed individuals

Unaitas SACCO Loan

Unaitas SACCO

Interest Rate
14%
per annum
Max Amount
KES 5000K
Approval Time
24-48 hours
Processing Fee
1.5%
  • Open membership SACCO
  • Loans up to 3x your deposits
Apply Now
⭐ High dividend seekers

Winas SACCO Development Loan

Winas SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1%
  • 45,000+ active members
  • KES 14.4 billion in assets (2024)
Apply Now
⭐ Kisumu TSC teachers

Kisumu Teachers SACCO Development Loan

Kisumu Teachers SACCO

Interest Rate
12%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • TSC check-off for Kisumu County teachers
  • Dholuo-language customer service desk
Apply Now
⭐ Mwingi TSC teachers

Mwingi Teachers SACCO Development Loan

Mwingi Teachers SACCO

Interest Rate
12%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1%
  • TSC check-off for Mwingi teachers only
  • ASAL drought hardship loan with 3-month grace
Apply Now
⭐ Nakuru TSC teachers

Nakuru Teachers SACCO Development Loan

Nakuru Teachers SACCO

Interest Rate
12%
per annum
Max Amount
KES 8000K
Approval Time
24-72 hours
Processing Fee
1%
  • TSC check-off for all Nakuru teachers
  • 72-month development loan tenure
Apply Now
⭐ Coast region TSC teachers

Mombasa Teachers SACCO Development Loan

Mombasa Teachers SACCO

Interest Rate
12%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • TSC check-off for Mombasa, Kwale and Kilifi teachers
  • Swahili-first customer communication
Apply Now
⭐ Mwingi market traders

Mwingi Mwananchi SACCO Development Loan

Mwingi Mwananchi SACCO

Interest Rate
13%
per annum
Max Amount
KES 3000K
Approval Time
24-72 hours
Processing Fee
1.5%
  • Community SACCO for Mwingi and neighbouring ASAL areas
  • Low KES 10,000 entry loan amount
Apply Now
⭐ County executive officers

Kenya County Government SACCO Development Loan

County Government SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1%
  • Cross-county common bond for county government staff
  • County payroll check-off across 47 counties
Apply Now
⭐ Eastleigh importers

Orient Commercial SACCO Development Loan

Orient Commercial SACCO

Interest Rate
13%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1.25%
  • SACCO for Nairobi commercial traders and SMEs
  • Import LC-backed working capital loan
Apply Now
⭐ Eastern Kenya cereal traders

Universal Traders SACCO Development Loan

Universal Traders SACCO

Interest Rate
13%
per annum
Max Amount
KES 8000K
Approval Time
24-72 hours
Processing Fee
1.25%
  • Trader-focused SACCO for Eastern Kenya markets
  • Short-tenure working capital loan 6-12 months
Apply Now
⭐ KMC permanent employees

Kenya Meat Commission SACCO Development Loan

KMC SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 7000K
Approval Time
24-72 hours
Processing Fee
1%
  • Common bond covering KMC staff and contracted ranchers
  • Livestock asset finance against KMC supply contract
Apply Now
⭐ KWS rangers

Kenya Wildlife Service SACCO Development Loan

KWS SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1%
  • Purpose-built for KWS rangers and park wardens
  • Hardship loans for remote-posting officers
Apply Now
⭐ KTDA factory workers

Chai SACCO Development Loan

Chai SACCO

Interest Rate
11.5%
per annum
Max Amount
KES 8000K
Approval Time
24-72 hours
Processing Fee
1%
  • Common bond with KTDA tea factories in western highlands
  • Bonus-linked repayment for smallholder tea growers
Apply Now
⭐ KEMRI permanent scientists

HMRC SACCO Development Loan

HMRC SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1%
  • Medical research SACCO for KEMRI and allied staff
  • Fellowship bridging loan for research grants
Apply Now
⭐ Kiambu coffee farmers

Yetu SACCO Development Loan

Yetu SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Central Kenya community SACCO in Kiambu
  • Coffee farmer bonus-backed loan
Apply Now
⭐ Lands ministry officers

Ardhi SACCO Development Loan

Ardhi SACCO

Interest Rate
12%
per annum
Max Amount
KES 10000K
Approval Time
24-72 hours
Processing Fee
1%
  • Tailored for lands, survey, and physical planning professionals
  • Plot-purchase loan with title search assistance
Apply Now
⭐ Machakos mango growers

Kwetu SACCO Development Loan

Kwetu SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1%
  • Ukambani SACCO serving Machakos and Makueni
  • Mango and citrus farmer seasonal loans
Apply Now
⭐ Ordained clergy

Mwito SACCO Development Loan

Mwito SACCO

Interest Rate
12%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Ecumenical SACCO serving Kenyan clergy across denominations
  • Parsonage/housing loan with church guarantee
Apply Now
⭐ Kakamega TSC teachers

Ollin SACCO Development Loan

Ollin SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Western Kenya SACCO anchored in Kakamega civil service
  • Mumias Sugar payroll check-off integration
Apply Now
⭐ Meru TSC teachers

Taifa SACCO Development Loan

Taifa SACCO

Interest Rate
12%
per annum
Max Amount
KES 8000K
Approval Time
24-72 hours
Processing Fee
1%
  • Meru SACCO serving teachers and professionals
  • TSC check-off for Meru County teachers
Apply Now
⭐ KPC permanent employees

Tembo SACCO Development Loan

Tembo SACCO

Interest Rate
11%
per annum
Max Amount
KES 15000K
Approval Time
24-72 hours
Processing Fee
1%
  • Dedicated SACCO for Kenya Pipeline Company employees
  • Access at KPC depot locations across the country
Apply Now
⭐ Kirinyaga TSC teachers

Bingwa SACCO Development Loan

Bingwa SACCO

Interest Rate
12%
per annum
Max Amount
KES 7000K
Approval Time
24-72 hours
Processing Fee
1%
  • Kirinyaga SACCO bridging teachers and Mwea rice farmers
  • TSC check-off for Kirinyaga teachers
Apply Now
⭐ SACCO society treasurers

Kenya Union of Savings & Credit Cooperatives Development Loan

KUSCCO

Interest Rate
11.5%
per annum
Max Amount
KES 30000K
Approval Time
24-72 hours
Processing Fee
1.25%
  • Central finance facility for 4,000+ affiliated SACCOs
  • Inter-SACCO liquidity support loans
Apply Now
⭐ Vihiga tea smallholders

Mudete Farmers SACCO Development Loan

Mudete Farmers SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 4000K
Approval Time
24-72 hours
Processing Fee
1%
  • Western Kenya SACCO for smallholder farmers
  • KTDA bonus-backed tea grower loan
Apply Now
⭐ High Court advocates

Sheria SACCO Development Loan

Sheria SACCO

Interest Rate
12%
per annum
Max Amount
KES 15000K
Approval Time
24-72 hours
Processing Fee
1%
  • Dedicated SACCO for legal and judicial professionals
  • 4x deposits development loan up to KES 15m
Apply Now
⭐ Laikipia ranch staff

Siraji SACCO Development Loan

Siraji SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Laikipia-Meru SACCO serving ranch and highland farming
  • Livestock finance loan for dairy/breeder cattle
Apply Now
⭐ KPA permanent employees

Bandari SACCO Development Loan

Bandari SACCO

Interest Rate
11.5%
per annum
Max Amount
KES 12000K
Approval Time
24-72 hours
Processing Fee
1%
  • Primary SACCO for Kenya Ports Authority staff
  • Coastal dhow business asset finance
Apply Now
⭐ Nyeri coffee farmers

Boresha SACCO Development Loan

Boresha SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Deep roots in Nyeri and central Kenya farming communities
  • Coffee and tea harvest-aligned repayment schedules
Apply Now
⭐ Meru coffee farmers

Capital SACCO Development Loan

Capital SACCO

Interest Rate
13%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1%
  • Strong presence in Meru coffee and miraa belts
  • Miraa-trade working capital with weekly repayments
Apply Now
⭐ Meru primary teachers

Dhabiti SACCO Development Loan

Dhabiti SACCO

Interest Rate
12%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Eastern Kenya SACCO for teachers and dairy farmers
  • Dairy milk cheque backed loan with KCC verification
Apply Now
⭐ Nairobi peri-urban traders

Faidika SACCO Development Loan

Faidika SACCO

Interest Rate
13%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1.5%
  • Open-bond community SACCO for Nairobi periphery
  • KES 20,000 entry loan for new members
Apply Now
⭐ Embu TSC teachers

Fortune SACCO Development Loan

Fortune SACCO

Interest Rate
12%
per annum
Max Amount
KES 8000K
Approval Time
24-72 hours
Processing Fee
1%
  • Rooted in Embu farming communities since 1985
  • Rice-farmer loan aligned to Mwea paddy cycle
Apply Now
⭐ KPC operations technicians

Kenpipe SACCO Development Loan

Kenpipe SACCO

Interest Rate
11.5%
per annum
Max Amount
KES 12000K
Approval Time
24-72 hours
Processing Fee
1%
  • Dedicated SACCO for Kenpipe Operations staff
  • Salary check-off via Kenpipe HR automation
Apply Now
⭐ Registered CPA members

Mhasibu SACCO Development Loan

Mhasibu SACCO

Interest Rate
12%
per annum
Max Amount
KES 20000K
Approval Time
24-72 hours
Processing Fee
1%
  • Exclusive to ICPAK-registered accountants
  • 4x deposits development loan up to KES 20m
Apply Now
⭐ Kericho matatu owners

Odorero SACCO Development Loan

Odorero SACCO

Interest Rate
13%
per annum
Max Amount
KES 4000K
Approval Time
24-72 hours
Processing Fee
1.5%
  • Kericho community SACCO with open-bond structure
  • Matatu industry working capital loan
Apply Now
⭐ Kenya Airways cabin crew

Skyline SACCO Development Loan

Skyline SACCO

Interest Rate
11.5%
per annum
Max Amount
KES 15000K
Approval Time
24-72 hours
Processing Fee
1%
  • Dedicated SACCO for the Kenyan aviation industry
  • Multi-currency FOSA for crew paid in USD/EUR
Apply Now
⭐ Ministry of Agriculture employees

Ukulima SACCO Development Loan

Ukulima SACCO

Interest Rate
12%
per annum
Max Amount
KES 12000K
Approval Time
24-72 hours
Processing Fee
1%
  • Historic SACCO rooted in Ministry of Agriculture common bond
  • Farm input loan timed to planting seasons
Apply Now
⭐ Nakuru maize farmers

Kipokezi SACCO Development Loan

Kipokezi SACCO

Interest Rate
13%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1.5%
  • Rift Valley community SACCO - open bond
  • Maize and potato farmer seasonal loans
Apply Now
⭐ Kericho TSC teachers

Kipsigis Edis SACCO Development Loan

Kipsigis Edis SACCO

Interest Rate
12%
per annum
Max Amount
KES 8000K
Approval Time
24-72 hours
Processing Fee
1%
  • Teachers and civil servants SACCO in tea-growing highlands
  • TSC check-off coverage across Kericho and Bomet
Apply Now
⭐ Kisii TSC teachers

Ngarisha SACCO Development Loan

Ngarisha SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Kisii highland SACCO serving teachers and farmers
  • TSC check-off for Kisii County teachers
Apply Now
⭐ Supermarket cashiers

Shoppers SACCO Development Loan

Shoppers SACCO

Interest Rate
13%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1.5%
  • Membership open to all major Kenyan supermarket chain employees
  • Small-ticket emergency loan from KES 20,000
Apply Now
⭐ Telkom Kenya engineers

Telepost SACCO Development Loan

Telepost SACCO

Interest Rate
11.5%
per annum
Max Amount
KES 12000K
Approval Time
24-72 hours
Processing Fee
1%
  • SACCO for Kenya's telecom and postal sector
  • Low 11.5% rate with Telkom/Posta common bond
Apply Now
⭐ Catholic clergy

Centenary SACCO Development Loan

Centenary SACCO

Interest Rate
12%
per annum
Max Amount
KES 7000K
Approval Time
24-72 hours
Processing Fee
1%
  • Catholic faith-based SACCO with diocesan network
  • Parish-backed development loan
Apply Now
⭐ Meru cereals traders

Mafanikio SACCO Development Loan

Mafanikio SACCO

Interest Rate
13%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
1.5%
  • Open-bond SACCO for Meru business community
  • Short-tenure working capital for cereals traders
Apply Now
⭐ Nairobi boda boda riders

Jamii Yetu SACCO Development Loan

Jamii Yetu SACCO

Interest Rate
13.5%
per annum
Max Amount
KES 3000K
Approval Time
24-72 hours
Processing Fee
1.5%
  • Community SACCO for Nairobi informal-settlement residents
  • KES 10,000 entry savings requirement
Apply Now
⭐ Finlays estate workers

Ndege Chai SACCO Development Loan

Ndege Chai SACCO

Interest Rate
11.5%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Tea-industry SACCO for Finlays and UTK employees
  • Tea bonus-backed loan with estate verification
Apply Now
⭐ Nairobi salaried staff

Maisha Bora SACCO Development Loan

Maisha Bora SACCO

Interest Rate
13%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1.5%
  • Open-bond SACCO accepting salaried staff and business owners
  • Fast-track emergency loan within 48 hours
Apply Now
⭐ Urban teachers

Metropolitan National SACCO Development Loan

Metropolitan National SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 12000K
Approval Time
24-72 hours
Processing Fee
1%
  • Strong urban professional membership base around Nairobi
  • FOSA savings accounts with debit card access
Apply Now
⭐ Nyandarua potato farmers

Kenya Midland SACCO Development Loan

Kenya Midland SACCO

Interest Rate
12.5%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • Midlands SACCO serving Nyeri, Nyandarua and Laikipia
  • Potato and dairy farmer seasonal loans
Apply Now
⭐ Kitui TSC teachers

Kitui Teachers SACCO Development Loan

Kitui Teachers SACCO

Interest Rate
12%
per annum
Max Amount
KES 6000K
Approval Time
24-72 hours
Processing Fee
1%
  • TSC check-off for Kitui County teachers only
  • ASAL-friendly drought-hardship loan
Apply Now

Expert Advice

“SACCO loans typically offer rates 3-5% lower than commercial banks, but you need to save with the SACCO for 3-6 months first. Start saving early to unlock the best borrowing terms.”

P
PesaMarket Research Team

Financial Analysis

Browse Sacco Loans by County

Need help? Chat with us