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  • Share capital cannot be withdrawn while a loan is outstanding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)

Provider contacts

Name
Unaitas SACCO Society Limited
Address
Murang'a, Kenya
Reg. number
SASRA/DTS/0012
Website
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.