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.
Provider list verified against the CBK Directory of Licensed Digital Credit Providers as of 16/04/2026.
Showing 10 of 10 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
Kenya County Government SACCO Development Loan
County Government SACCO
- Cross-county common bond for county government staff
- County payroll check-off across 47 counties
Chai SACCO Development Loan
Chai SACCO
- Common bond with KTDA tea factories in western highlands
- Bonus-linked repayment for smallholder tea growers
Ardhi SACCO Development Loan
Ardhi SACCO
- Tailored for lands, survey, and physical planning professionals
- Plot-purchase loan with title search assistance
Bingwa SACCO Development Loan
Bingwa SACCO
- Kirinyaga SACCO bridging teachers and Mwea rice farmers
- TSC check-off for Kirinyaga teachers
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
Centenary SACCO Development Loan
Centenary SACCO
- Catholic faith-based SACCO with diocesan network
- Parish-backed development loan
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.”