Secure your future with our loan products
From instant mobile loans to asset financing and investment credit — explore every Username SACCO loan product built to move your goals forward.
Instant, mobile-first credit
Fast-disbursement loans built for everyday and classroom emergencies alike.
Instant Loan
A reliable, fast-disbursement solution for general SACCO members facing urgent personal expenses.
- Loan Limit:
- 50% of free Deposit Savings, up to Kshs 100,000
- Security:
- Deposit Savings
- Who Can Apply:
- All
- Repayment:
- Up to 2 months
- Membership:
- Instantly
Mwalimu Jisort
A short-term, fast-access loan specifically designed to provide teachers with immediate financial support.
- Loan Limit:
- 90% of free Deposit Savings, up to Kshs 100,000
- Security:
- Deposit Savings
- Who Can Apply:
- Teachers
- Repayment:
- 3 months
- Membership:
- Instantly
Fast cover for pay day and school day
Salary, school fees, and emergency-focused loans that move as quickly as life does.
Salary Advance Loan
Designed to provide quick, stress-free access to cash when you need it most.
- Loan Amount:
- 5x Deposit Savings, up to Kshs 50,000
- Security:
- Check-off MOU with employer
- Repayment:
- 3 months
- Membership:
- Instantly
School Fees
A short-term loan intended to finance education expenses in a timely and convenient manner.
- Loan Amount:
- 3x Deposit Savings, up to Kshs 50,000
- Security:
- Deposit savings and guarantor
- Who Can Apply:
- All
- Repayment:
- 6 months
- Membership:
- Instantly
Super School Fees
A targeted facility providing quick financial support for urgent educational expenses.
- Loan Amount:
- 2x Deposit Savings, up to Kshs 60,000
- Security:
- Paid directly to the institution
- Who Can Apply:
- All
- Repayment:
- 4 months
- Membership:
- Instantly
Emergency Loan
Provides members with quick access to funds to meet urgent financial needs.
- Loan Limit:
- 90% of free Deposits, qualifies up to 3x deposits
- Security:
- Deposit savings & guarantors
- Who Can Apply:
- All
- Repayment:
- 6 months
- Fast Processing:
- Approval & disbursement within 24 hours
Built for growth and investment
Development, diaspora, and business capital to help members build long-term wealth.
Development Loan
A financing product designed to empower members to access funds for personal or business growth.
- Loan Amount:
- 3x Member's Deposit Savings
- Security:
- Deposit savings & guarantor/collateral
- Who Can Apply:
- All
- Repayment:
- 36 months
- Membership:
- 6 months
Diaspora Wezesha Loan
A credit facility that empowers Kenyans living abroad to invest in land, education, or business back home.
- Loan Amount:
- 3x Member's Deposit Savings
- Security:
- Deposit savings & guarantor/collateral
- Who Can Apply:
- All
- Repayment:
- 36 months
- Membership:
- 6 months
Biashara Loan
Gives entrepreneurs and business owners the capital to expand operations, stock inventory, or manage cash flow.
- Loan Amount:
- 5x Deposit Savings, up to Kshs 100,000
- Security:
- Deposit savings & guarantor/collateral
- Who Can Apply:
- Business Community
- Repayment:
- 6 months
- Membership:
- Instantly
Own the asset that grows your income
From electric tuk tuks to property and motor vehicles — finance the asset, not just the cash.
Tuk Tuk Express Loan
Provides the necessary capital for members to acquire an Electric Tuk Tuk.
- Loan Amount:
- Asset Price
- Security:
- Log Book
- Who Can Apply:
- All
- Repayment:
- 30 months
- Membership:
- 3 months
Boda Boda Express Loan
A tailored financing product that helps members purchase brand-new electric motorbikes.
- Loan Amount:
- Asset Price
- Security:
- Log Book
- Who Can Apply:
- All
- Repayment:
- 24 months
- Membership:
- 3 months
Property Loan
Provides the necessary capital for members to own a plot.
- Loan Amount:
- 95% of the Plot Price
- Security:
- Title Deed
- Who Can Apply:
- All
- Repayment:
- 36 months
- Membership:
- Instantly
Shamba Loan
A flexible land financing solution that enables members to acquire a plot of their choice with ease.
- Loan Amount:
- 95% of the Shamba price
- Qualifier:
- 3x Member's Deposit Savings
- Security:
- Title Deed
- Who Can Apply:
- All
- Repayment:
- 36 months
- Membership:
- 12 months
Motor Vehicle Financing
Designed to help members acquire vehicles conveniently and affordably.
- Loan Amount:
- Motor Vehicle Price
- Qualifier:
- 3x Member's Deposit Savings
- Security:
- Log Book
- Who Can Apply:
- All
- Repayment:
- 36 months
- Membership:
- 12 months
Made for teachers, youth & your health
Purpose-built credit facilities for specific member groups and needs.
Mwalimu Plus
A short-term, fast-access credit facility secured against member savings.
- Loan Amount:
- 2x Member's Deposit Savings
- Security:
- Check-off MOU with school
- Who Can Apply:
- Teachers & Support Staff
- Repayment:
- 6 months
- Membership:
- Instantly
Chipukizi Loan
A youth-focused financing product designed to empower young members to access affordable credit for personal development, education, or small business ventures.
- Loan Amount:
- 5x Deposit Savings, up to Ksh 50,000
- Security:
- Deposit savings & guarantor
- Who Can Apply:
- Youth
- Repayment:
- 6 months
- Membership:
- Instantly
Username Tiba
Finances annual medical insurance premiums for you or your family, ensuring uninterrupted healthcare coverage.
- Loan Amount:
- Medical Premium
- Security:
- Deposits equal to 50% of premium
- Who Can Apply:
- All
- Repayment:
- 12 months
- Membership:
- Instantly
Why Username SACCO?
- Affordable Loans — grow without a burden.
- High-Yield Savings — earn dividends while you save.
- Community-Driven — you're part of something bigger.
- Transparent — no hidden charges, no surprises.
- Backed by trust, governance & regulation.
- Legally Registered & Regulated — fully licensed by the Ministry of Co-operatives and MSMEs.
- Username Tiba — offering you an affordable health medical cover.
Who Can Join?
Any Kenyan with the dream to grow financially!
Get started today!
- Phone: 0725 000 680
- Email: sacco@username.co.ke
- Web: www.usernamesacco.co.ke
Approval & disbursement in as little as 24 hours.