SASRA Regulated · Est. 1997 Unity Builds Wealth

Member’s Testimonials

SASRA Regulated · Est. 1997 Unity Builds Wealth

The strategic Goal is to Transform lives

Dynamic and affordable financial products designed for households and businesses.

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SASRA Regulated · Est. 1997 Unity Builds Wealth

Management Team

Dedicated support when you need it, We are professional and of responsive member care.

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Licensed SACCO

SASRA Regulated

0+

Active Members

27+

Years of Service

24/7

Member Support

Become a Member

Join Kenya's trusted cooperative and grow with us.

Apply for a Loan

Affordable credit for personal, business and education needs.

Forms & Downloads

Membership forms, loan applications and AGM resources.

Talk to Us

Expert support from our Nairobi CBD team — 24/7 dedication.
Since 1997

Who we are

Your financial partner of choice

KICO SACCO was founded to support professionals and has grown into a cooperative serving members across every sector of Kenya's economy — with dynamic, affordable financial products.

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  • Vision Your financial partner of choice
  • Mission Transform lives through affordable finance
  • Values Integrity, professionalism & teamwork
Our Story Join Today

Unity Builds Wealth

27+ Years building member wealth
SASRA Regulated
Credit Solutions

Loan products that work for you

Structured financing for development, emergencies, assets and education — with transparent rates.

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Affordable Rates
Fast Approval
Flexible Repayment
Transparent Terms
Member-First
POPULAR

Biashara Chap Chap Loan

Caters for sudden business needs for example sudden purchase of supplies, LPO and LSOs.

  • Short-term business cash flow
  • Repayment scheduled with specialty
  • Supplies & LPO/LSO needs
Repayment Period Up to 6 months
Interest Rate Affordable rates
Apply Now Learn More
FAST ACCESS

Short Term Loan (Instant Loans)

Caters for the urgent financial needs that a member may have at hand.

  • Instant access for members
  • Up to 6 months
  • Affordable interest rates
Repayment Period Up to 6 months
Interest Rate Affordable rates
Apply Now Learn More
LONG TERM

Development Loan

This includes personal and business development projects.

  • Amount up to KES 3 million
  • Flexible repayment plans
  • Income/cash flow factored
Repayment Period Up to 48 months
Interest Rate Affordable rates
Apply Now Learn More
PAYROLL

Check Off Loans

This applies to government employees, tea farmers under KTDA, private sector employees and landlords.

  • Amount up to KES 3 million
  • Repayment up to 48 months
  • MOU acceptable for employers
Repayment Period Up to 48 months
Interest Rate Affordable rates
Apply Now Learn More
Since 1997 Trusted Heritage
SASRA Fully Regulated
+ Active Members
Affordable Interest Rates
Nationwide Reach
Why KICO SACCO

Bank-grade trust. Cooperative heart.

Regulated & Trusted

Fully registered SACCO operating under SASRA oversight since 1997.

Competitive Rates

Fair interest on loans and attractive returns on member savings.

Fast Processing

Streamlined approvals so you access funds when it matters most.

Member-First Service

Dedicated relationship managers and responsive customer care.

Household & Business

Products designed for families, professionals and SMEs alike.

Nationwide Reach

Members from every sector — one cooperative, shared prosperity.

Get Started

Membership in three simple steps

Join thousands of members who save, borrow and grow with KICO SACCO.

  1. 1

    Submit application

    Complete the membership form with ID and passport photo.

  2. 2

    Share contribution

    Meet minimum share capital as per SACCO policy.

  3. 3

    Start banking

    Access savings, loans and member benefits immediately.

At your service — always

First-class customer care from our team at Bruce House, Nairobi CBD. Savings, loans, advisory and more.

Savings
Loans
Dividends
Advisory
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Member Stories

Trusted by professionals & families

"KICO SACCO helped me finance my children's education with affordable rates and flexible repayment."

MK Member, Nairobi

"Professional service and transparent processes. I trust KICO with my savings and investments."

JB Business Member

"The emergency loan facility came through when my family needed it most. Truly member-focused."

AN Long-term Member

Ready to build wealth together?

Unity Builds Wealth — Start your membership journey today.

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