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.
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
Afya SACCO Loan
Afya SACCO
- Exclusive for healthcare professionals
- 12% competitive interest rate
Cosmopolitan SACCO Development Loan
Cosmopolitan SACCO
- 16% dividend on shares (2024)
- 12.4% interest on deposits
Harambee SACCO Loan
Harambee SACCO
- Highest multiplier - up to 4x deposits
- Lowest rate at 12% p.a.
Hazina SACCO Development Loan
Hazina SACCO
- KES 12.7 billion in assets
- Strong government employee base
Imarika SACCO Development Loan
Imarika SACCO
- Mombasa-based SACCO
- Strong coastal presence
Kenya Bankers SACCO Loan
Kenya Bankers SACCO
- Exclusive for banking professionals
- 4x loan multiplier
Kenya Police SACCO Loan
Kenya Police SACCO
- Loans up to 3x your deposits
- Competitive 12% interest rate
Magadi SACCO Development Loan
Magadi SACCO
- 20%+ dividend on shares - top tier
- Mining sector SACCO
Mentor SACCO Development Loan
Mentor SACCO
- 15% dividend on shares (2024)
- Open membership
Mwalimu National SACCO Development Loan
Mwalimu National SACCO
- Kenya's largest SACCO with 100,000+ members
- Borrow up to 4 times your deposits
Nation SACCO Development Loan
Nation SACCO
- 20% dividend on shares - highest tier in Kenya
- 11% interest on deposits
Nyati SACCO Development Loan
Nyati SACCO
- 20%+ dividend on shares - top tier
- Competitive deposit interest
Ports SACCO Development Loan
Ports SACCO (Mombasa Port)
- 20% dividend on shares (2024) - among highest in Kenya
- 12.5% interest on deposits
Safaricom SACCO Loan
Safaricom SACCO
- Exclusive Safaricom employee SACCO
- 4x loan multiplier
Solution SACCO Development Loan
Solution SACCO
- 15% dividend on shares
- Open membership
Stima SACCO Development Loan
Stima SACCO
- Borrow up to 4 times your deposits
- Low 12% interest on reducing balance
Tower SACCO Loan
Tower SACCO
- Open membership SACCO
- Loans up to 3x deposits
Trans-Nation SACCO Development Loan
Trans-Nation SACCO
- 15% dividend on shares (2024)
- KES 12.02 billion in assets
UN SACCO Loan
United Nations SACCO
- Lowest interest rates from 10%
- 4x loan multiplier
Unaitas SACCO Loan
Unaitas SACCO
- Open membership SACCO
- Loans up to 3x your deposits
Winas SACCO Development Loan
Winas SACCO
- 45,000+ active members
- KES 14.4 billion in assets (2024)
Kisumu Teachers SACCO Development Loan
Kisumu Teachers SACCO
- TSC check-off for Kisumu County teachers
- Dholuo-language customer service desk
Mwingi Teachers SACCO Development Loan
Mwingi Teachers SACCO
- TSC check-off for Mwingi teachers only
- ASAL drought hardship loan with 3-month grace
Nakuru Teachers SACCO Development Loan
Nakuru Teachers SACCO
- TSC check-off for all Nakuru teachers
- 72-month development loan tenure
Mombasa Teachers SACCO Development Loan
Mombasa Teachers SACCO
- TSC check-off for Mombasa, Kwale and Kilifi teachers
- Swahili-first customer communication
Mwingi Mwananchi SACCO Development Loan
Mwingi Mwananchi SACCO
- Community SACCO for Mwingi and neighbouring ASAL areas
- Low KES 10,000 entry loan amount
Kenya County Government SACCO Development Loan
County Government SACCO
- Cross-county common bond for county government staff
- County payroll check-off across 47 counties
Orient Commercial SACCO Development Loan
Orient Commercial SACCO
- SACCO for Nairobi commercial traders and SMEs
- Import LC-backed working capital loan
Universal Traders SACCO Development Loan
Universal Traders SACCO
- Trader-focused SACCO for Eastern Kenya markets
- Short-tenure working capital loan 6-12 months
Kenya Meat Commission SACCO Development Loan
KMC SACCO
- Common bond covering KMC staff and contracted ranchers
- Livestock asset finance against KMC supply contract
Kenya Wildlife Service SACCO Development Loan
KWS SACCO
- Purpose-built for KWS rangers and park wardens
- Hardship loans for remote-posting officers
Chai SACCO Development Loan
Chai SACCO
- Common bond with KTDA tea factories in western highlands
- Bonus-linked repayment for smallholder tea growers
HMRC SACCO Development Loan
HMRC SACCO
- Medical research SACCO for KEMRI and allied staff
- Fellowship bridging loan for research grants
Yetu SACCO Development Loan
Yetu SACCO
- Central Kenya community SACCO in Kiambu
- Coffee farmer bonus-backed loan
Ardhi SACCO Development Loan
Ardhi SACCO
- Tailored for lands, survey, and physical planning professionals
- Plot-purchase loan with title search assistance
Kwetu SACCO Development Loan
Kwetu SACCO
- Ukambani SACCO serving Machakos and Makueni
- Mango and citrus farmer seasonal loans
Mwito SACCO Development Loan
Mwito SACCO
- Ecumenical SACCO serving Kenyan clergy across denominations
- Parsonage/housing loan with church guarantee
Ollin SACCO Development Loan
Ollin SACCO
- Western Kenya SACCO anchored in Kakamega civil service
- Mumias Sugar payroll check-off integration
Taifa SACCO Development Loan
Taifa SACCO
- Meru SACCO serving teachers and professionals
- TSC check-off for Meru County teachers
Tembo SACCO Development Loan
Tembo SACCO
- Dedicated SACCO for Kenya Pipeline Company employees
- Access at KPC depot locations across the country
Bingwa SACCO Development Loan
Bingwa SACCO
- Kirinyaga SACCO bridging teachers and Mwea rice farmers
- TSC check-off for Kirinyaga teachers
Kenya Union of Savings & Credit Cooperatives Development Loan
KUSCCO
- Central finance facility for 4,000+ affiliated SACCOs
- Inter-SACCO liquidity support loans
Mudete Farmers SACCO Development Loan
Mudete Farmers SACCO
- Western Kenya SACCO for smallholder farmers
- KTDA bonus-backed tea grower loan
Sheria SACCO Development Loan
Sheria SACCO
- Dedicated SACCO for legal and judicial professionals
- 4x deposits development loan up to KES 15m
Siraji SACCO Development Loan
Siraji SACCO
- Laikipia-Meru SACCO serving ranch and highland farming
- Livestock finance loan for dairy/breeder cattle
Bandari SACCO Development Loan
Bandari SACCO
- Primary SACCO for Kenya Ports Authority staff
- Coastal dhow business asset finance
Boresha SACCO Development Loan
Boresha SACCO
- Deep roots in Nyeri and central Kenya farming communities
- Coffee and tea harvest-aligned repayment schedules
Capital SACCO Development Loan
Capital SACCO
- Strong presence in Meru coffee and miraa belts
- Miraa-trade working capital with weekly repayments
Dhabiti SACCO Development Loan
Dhabiti SACCO
- Eastern Kenya SACCO for teachers and dairy farmers
- Dairy milk cheque backed loan with KCC verification
Faidika SACCO Development Loan
Faidika SACCO
- Open-bond community SACCO for Nairobi periphery
- KES 20,000 entry loan for new members
Fortune SACCO Development Loan
Fortune SACCO
- Rooted in Embu farming communities since 1985
- Rice-farmer loan aligned to Mwea paddy cycle
Kenpipe SACCO Development Loan
Kenpipe SACCO
- Dedicated SACCO for Kenpipe Operations staff
- Salary check-off via Kenpipe HR automation
Mhasibu SACCO Development Loan
Mhasibu SACCO
- Exclusive to ICPAK-registered accountants
- 4x deposits development loan up to KES 20m
Odorero SACCO Development Loan
Odorero SACCO
- Kericho community SACCO with open-bond structure
- Matatu industry working capital loan
Skyline SACCO Development Loan
Skyline SACCO
- Dedicated SACCO for the Kenyan aviation industry
- Multi-currency FOSA for crew paid in USD/EUR
Ukulima SACCO Development Loan
Ukulima SACCO
- Historic SACCO rooted in Ministry of Agriculture common bond
- Farm input loan timed to planting seasons
Kipokezi SACCO Development Loan
Kipokezi SACCO
- Rift Valley community SACCO - open bond
- Maize and potato farmer seasonal loans
Kipsigis Edis SACCO Development Loan
Kipsigis Edis SACCO
- Teachers and civil servants SACCO in tea-growing highlands
- TSC check-off coverage across Kericho and Bomet
Ngarisha SACCO Development Loan
Ngarisha SACCO
- Kisii highland SACCO serving teachers and farmers
- TSC check-off for Kisii County teachers
Shoppers SACCO Development Loan
Shoppers SACCO
- Membership open to all major Kenyan supermarket chain employees
- Small-ticket emergency loan from KES 20,000
Telepost SACCO Development Loan
Telepost SACCO
- SACCO for Kenya's telecom and postal sector
- Low 11.5% rate with Telkom/Posta common bond
Centenary SACCO Development Loan
Centenary SACCO
- Catholic faith-based SACCO with diocesan network
- Parish-backed development loan
Mafanikio SACCO Development Loan
Mafanikio SACCO
- Open-bond SACCO for Meru business community
- Short-tenure working capital for cereals traders
Jamii Yetu SACCO Development Loan
Jamii Yetu SACCO
- Community SACCO for Nairobi informal-settlement residents
- KES 10,000 entry savings requirement
Ndege Chai SACCO Development Loan
Ndege Chai SACCO
- Tea-industry SACCO for Finlays and UTK employees
- Tea bonus-backed loan with estate verification
Maisha Bora SACCO Development Loan
Maisha Bora SACCO
- Open-bond SACCO accepting salaried staff and business owners
- Fast-track emergency loan within 48 hours
Metropolitan National SACCO Development Loan
Metropolitan National SACCO
- Strong urban professional membership base around Nairobi
- FOSA savings accounts with debit card access
Kenya Midland SACCO Development Loan
Kenya Midland SACCO
- Midlands SACCO serving Nyeri, Nyandarua and Laikipia
- Potato and dairy farmer seasonal loans
Kitui Teachers SACCO Development Loan
Kitui Teachers SACCO
- TSC check-off for Kitui County teachers only
- ASAL-friendly drought-hardship loan
Expert Advice
âSACCO 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.â