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  • Qualifying amount is 95% of a member’s unobligated/unattached deposits up to a maximum of KES. 20,000,000, subject to a third rule and contract period.
  • Interest rate is 11% p.a on the reducing balance basis
  • Repayment period of 84 months
  • The loan security is the member’s own deposits (no guarantors required)
  • Available to all members borrowing within their deposits not attached to any loan
  • Asset loan is excluded when considering the available deposits

In consideration of the tough economic times brought about by the COVID 19 pandemic and to meet members emerging needs, the UN SACCO will run a 3 months promotion of the Emergency loan starting 1st June 2021 as detailed below:

Features of Emergency Loan promotion:

  • The promotion will run for a period of 3 months as from 1st June 2021.
  • Interest rate is 10% p.a.
  • Maximum qualifying amount is Kshs 1,500,000 subject to repayment ability.
  • Maximum repayment period is 18 months subject to remaining contract.


*Terms & Conditions apply

The Emergency Loan is designed to address urgent needs and emergencies.


  • The maximum amount one can borrow is 3 * Deposits up to Ksh. 1 Million.
  • The repayment period shall be a maximum of 12 months subject to contract period.
  • The loan shall attract interest rate of 12% per annum on a reducing balance basis.
  • The Security shall be the member's and guarantors' deposits.
  • Qualifying amount is 2 times member’s deposits up to a maximum KShs. 1000,000.00 subject to the one third rule.
  • Interest rate of 12% per annum.
  • Maximum repayment period is 12 months subject to remaining contract period.
  • Payment made directly to the Club upon loan drawdown.

Proof of Club membership or membership admission/renewal invoice to be attached to the loan application. 

This loan is designed for members who have been loyal  to the UN SACCO for over 5 years.

  • The amount borrowed is 3* Deposits up to  KShs. 20 Million.
  • The repayment period is 60 months as long as a member has an employment contract whose period is over 6 months.
  • The loan shall attract interest rate of 12% per annum on a reducing balance.

Loan Information

In addition to our wide range of financial products and services, UNSACCO provides loans services to its customers. The information.

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