• United Winners Sacco 4th floor, P.C.E.A. Umoja Church. Tel: +254 (0) 709 453 000 /+ 254 (0) 721 516 546

Church Loan

  • This product targets churches to help them acquire assets such as land,
    instruments, furniture, among others.
  • Repayment period is up to 48 months.
  • Processing takes up to 15 working days.
  • This product attracts an interest rate of 1.2% p.m on reducing balance
  • Any church that has saved consistently for six months qualifies for
    church loan.


  1. Application fee is charged at 1% of the amount
  2. Interest of 1.2% p.m. on reducing balance
  3. A duly completed loan application form
  4. Local Church Committee minutes’ extract
    approving the loan application.
  5. Letter from the head/authority office
    guaranteeing the loan.









Important to Note

  • This loan is guaranteed through session minutes/
    letter from the head authority office or collateral i.e
    title deed or property.
  • This product is designed exclusively for
    Christian churches. We are committed to
    strengthening Christian communities and
    equipping churches for the future
  • The Church is required to be an active Sacco
    member for a minimum of 6 months
  • The Church is expected to make the required
    monthly contribution even as they are
    servicing the loan.
  • The church’s credit history will be a major
    determinant for this and future loans.

Loan repayment options

Mode of loan repayment is through:

  1. Check off - by employer
  2. Standing Order – from Members Bank account to Sacco Bank Account
  3. Mpesa – to the Sacco paybill number
  4. DigiPesa – from Members Mpesa Directly to members Sacco Account
  5. Direct deposit – to Sacco Bank Account through any Coop bank Branch or Coop kwa Jirani Agent
  6. Direct debit – Sacco Bank collects from Member’s banks accounts.
  7. Money transfers – RTGS, SWIFT, PoaPay, Wave, SimbaPay, JamboGlobal, UAEXchange, Western Union , MoneyGram

Our Sacco aims to meet the financial needs of its members by encouraging them to save regularly and to borrow wisely for their development projects

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