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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

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 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.

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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