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

School Fees Loan

  • This product is meant to meet a member’s short-term needs of paying school fees for primary school, secondary school, college or university
  • Approval process takes up to 24 hours.
  • Repayment period is up to 12 months
  • This product attracts an interest rate of 1% p.m on reducing balance
  • Any member who has saved consistently for 6 months, qualifies for this product


  1. A duly completed loan application form
  2. Applicants must provide a current and certified fees structure from the learning institution.
  3. Attach copies of ID for both the applicant and guarantors
  4. This product attracts an interest rate of 1% p.m on reducing balance.
  5. Other charges include application fees at 0.75% of amount applied but a minimum of Ksh.600.
  6. Repayment period is up to 12 months




Important to Note

  • This loan is granted by the society and must be fully
    secured either by guarantors who are members of
    the society or by use of collateral; Collateral will
    include a title deed/Property
  • The applicant is required to be an active Sacco
    member for a minimum of 6 months
  • The member is expected to make the required
    monthly contribution even as he/she is
    servicing the loan.
  • The member’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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