Kenya Police SACCO Loan – review 2026
Pros
- Competitive rates relative to mainstream bank and digital lenders
- Payroll-deducted repayment for serving officers simplifies loan servicing
- Member-owned model returns dividends on savings and shares
- Regulated by SASRA with formal prudential oversight
Cons
- Membership is centred on Kenya Police Service officers and civilian staff
- Requires savings history and share contribution before borrowing
- Loan size is generally tied to a multiple of deposits/shares held
Kenya Police SACCO (KPSA) serves officers and civilian staff of the Kenya Police Service, and has grown into one of the largest sector-based deposit-taking savings and credit cooperatives (SACCOs) in Kenya. As a deposit-taking SACCO, it is regulated by the SACCO Societies Regulatory Authority (SASRA), not the Central Bank of Kenya.
KPSA offers development, emergency and school fees loans, among other products, at rates that are generally competitive relative to mainstream bank and digital lenders, in keeping with the member-owned cooperative model common to Kenyan SACCOs. Members' borrowing capacity is generally linked to their accumulated savings and share capital within the SACCO.
Fees and Eligibility
As a sector-based SACCO built around a single large employer (the Kenya Police Service), KPSA benefits from predictable, payroll-deducted loan repayments for most of its serving-officer members, which supports the SACCO's financial stability. Members benefit from both affordable credit and dividend income on their shares, consistent with SASRA's cooperative regulatory framework.
Requirements
- SACCO membership application and share capital contribution
- National ID
- KRA PIN certificate
- Minimum age 18 years
- Savings/deposit history with the SACCO
- Guarantors for larger loan amounts
Provider contacts
- Name
- Kenya Police Sacco Society Limited
- Address
- KPSA House, Nairobi, Kenya
- Reg. number
- SASRA/DTS/0005
- Website
- https://www.kenyapolicesacco.co.ke
- Online application
- Apply now →
- Regulator
- Central Bank of Kenya (CBK)
Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.