Unaitas SACCO Loan – review 2026
Pros
- Open membership model allows a wide range of Kenyans to join
- Agri-business loan products cater specifically to farmers and traders
- Member-owned model returns dividends on savings and shares
- Regulated by SASRA with formal prudential oversight
Cons
- Requires SACCO membership and savings history before borrowing
- Loan size is generally tied to a multiple of deposits/shares held
- Agri-business products may be less relevant to non-agricultural borrowers
Unaitas SACCO is a deposit-taking savings and credit cooperative (SACCO) based in Murang'a County, Kenya, originally rooted in the agricultural sector but now serving farmers, traders and salaried workers across Central Kenya and beyond. As a deposit-taking SACCO, Unaitas is regulated by the SACCO Societies Regulatory Authority (SASRA), not the Central Bank of Kenya.
The SACCO offers development, agri-business and emergency loans, among other products, and is notable in the Kenyan SACCO sector for its open membership model, which allows individuals outside the original agricultural base to join and access its savings and credit products. This has helped Unaitas expand its reach beyond a single occupational or sector-based membership.
Fees and Eligibility
As with other SASRA-regulated SACCOs, Unaitas members typically need to join, contribute share capital and build a savings record before qualifying for most loan products, with larger facilities often requiring guarantors. The agri-business loan line in particular reflects the SACCO's continuing roots in serving farmers and agricultural traders.
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
- Unaitas SACCO Society Limited
- Address
- Murang'a, Kenya
- Reg. number
- SASRA/DTS/0012
- Website
- https://www.unaitas.com
- 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.