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

Instant Loan


  • This product is meant to facilitate any member’s immediate short-term
    financial needs.
  • Approval is immediate
  • Repayment period is up to 6 months.
  • This product attracts an interest rate of 5% p.m on reducing balance
  • Any member who has saved consistently for six months or any member
    with an active loan, qualifies for this if their outstanding loan is less than
    their savings.


  1. A duly completed loan application form
  2. The loan amount issued up to Ksh 20,000
    is payable within (3 months)
  3. Any amount above Ksh. 60,000 up to a
    maximum loan amount of Ksh. 100,000 is
    payable within (6 months)
  4. The Loan application fees is Kshs.500
  5. Attach the applicant’s copy of ID card
  6. This product attracts an interest rate of 5% p.m on reducing balance
  7. Any member with an active loan can apply for
    instant loan if their outstanding loan is less
    than their savings




Important to Note

  • This loan is granted by the society and is only
    guaranteed by the individual member’s deposits.
    No guarantors or collateral is required.
  • The applicant is required to be an active Sacco
    member for a minimum of 6 months
  • The applicant is expected to make the
    required monthly contribution even as he/she
    is servicing the loan.
  • The member’s credit history is 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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