Save confidently. Borrow affordably. Grow together.

Serving Nairobi, Machakos, Kitui, Kajiado and nearby counties with secure savings and transparent loans.

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Member-owned

Transparent rates

Secure savings

10,000+ active member accounts

Target Market

Micro & small businesses, groups, and registered organizations—especially the least banked—using group guarantees and informal collateral.

Savings Accounts

Choose an account tailored to your goals.

Join the SACCO

Regular Savings

• Deposit from KES 200 weekly
• Annual dividends to members
• Easy withdrawals (per policy)

Fixed Deposit

• Terms 3–12 months
• Higher returns for locked term
• Ideal for short‑term goals

Junior Saver

• Parental oversight
• No monthly fee
• Converts to regular at 18

Loan Products

Simple, transparent terms for members.

Loita Biashara

• Up to 4× member shares
• Tenure: up to 12 months
• Rate: 10% per month (straight‑line)
• Fees: 1.5% processing, 2.5% insurance
• 2 guarantors required

Shule Loan

• Education needs
• Rate: 15% per annum

Boreshamaisha (Asset Finance)

• Assets: tanks, solar, equipment, vehicles
• Up to 5× shares, tenure up to 36 months
• Rate: 18% per annum (straight‑line)
• Fees: 1.5% processing, 2.5% insurance

Kilimo Loan

• For farmers (min. 3 months membership)
• Rate: 2% per month
• Processing 1.5%, Insurance 2.5%
• Tenure: up to 24 months, 6-month grace (interest only)

Ng’ombe Loan

• Livestock financing
• Rate: 20% per annum

Afya Loan

• Healthcare expenses
• Rate: 25% per annum

All loans subject to policy, assessment, and availability. Rates and terms may change.

How to Join

Eligibility

• Registered groups (10–25 members), gender-balanced
• Members 18+ with ID/Passport
• Active in income-generating activity (≥6 months)
• Residing in service counties (≥3 years)
• Vetting support from local administration

Registration & Savings

• Registration fee: KES 1,000 per person (500 registration, 300 training, 200 passbook)
• Weekly savings: from KES 200 for 12 weeks (or KES 500 per meeting fortnightly / KES 1,000 monthly)
• Min. 20% of requested loan saved before first loan (up to KES 20,000 starter limit)
• Share capital: KES 5,000 per member

About Loita SACCO

Member‑owned Savings and Credit Cooperative focused on financial inclusion and growth through disciplined savings, affordable credit, and financial literacy.

2009

Year Founded

10k+

Member Accounts

Become a Member

Three steps: register your group, complete training, start saving.

1) ID & KRA PIN
2) Group certificate & constitution
3) Minimum share capital & initial savings

Start Enrollment Download Form

Contact Us

We’ll get back within one business day.

Phone: ***

Email: loitasacco@gmail.com

Address: Fidelity Insurance Building, 3rd Floor, Nairobi

Open Mon–Fri, 8:30am–5:00pm EAT