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  • 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. 

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.

Available to members who have retired from formal employment.


  • The maximum amount one can borrow is 2* deposits
  • Guarantors must be from existing membership
  • Maximum repayment period is 36 months.
  • Interest rate 12% per per annum 
  • Proof of pension ability to repay the loan.

This loan is designed for members who have been loyal  to the UN SACCO for over 7 years.

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

This loan is designed to help new staff members to settle down smoothly in their new stations of work.


  • Member qualifies after first payroll deduction and raising minimum share capital of 50, 000 Kenyan Shillings.
  • Maximum loan is 3 times monthly basic salary up to a maximum of KShs. 1,000,000.
  • Interest rate is 14.5% per annum.
  • Repayment period is up to a maximum of 12 months or contract period whichever is shorter.

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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