Reviews
SACCO Loans Updated: 14. 04. 2026

Unaitas SACCO Loan – review 2026

4,2 / 5

Unaitas SACCO is a deposit-taking SACCO based in Murang'a County, Kenya, serving farmers, traders and salaried workers across Central Kenya and beyond. It offers development, agri-business and emergency loans and is notable for its open membership model, which allows individuals outside the original agricultural sector to join. Unaitas is regulated by SASRA.

Pros

  • Open membership model allows individuals from diverse occupations to join
  • Agricultural and agri-business loan products tailored to farmers
  • SASRA-regulated with published financial reports
  • Competitive rates from 12% per annum
  • Strong presence in Central Kenya with multiple branches

Cons

  • Maximum loan of KES 8,000,000 is lower than larger national SACCOs
  • Loan limit tied to accumulated deposits and share capital
  • Guarantors required from fellow members
  • Share capital cannot be withdrawn while a loan is outstanding
  • Rural branch locations may be less accessible for urban members

Requirements

  • Active Unaitas SACCO membership
  • Kenyan national ID
  • Minimum share capital contributions as specified in SACCO by-laws
  • Fellow Unaitas member guarantors
  • Proof of income (payslip, farm records or business statements)

Company information

Name
Unaitas SACCO Society Limited
Address
Murang'a, Kenya
Web

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.