Youth-Led SACCO | Save & Borrow up to KSh 1.5M

Build Your Financial Future

Kenya's fastest growing youth-led SACCO offering savings schemes and friendly loans to youths in both formal and informal employment.

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About Ubunifu SACCO

Our Vision

To be the leading and the most efficient Youth SACCO in East Africa, empowering our members through innovative financial solutions.

Our Mission

To mobilize savings, provide affordable financial services that maximize members' returns through innovative products and services, and undertake appropriate investment activities for our members.

Our Core Values

  • Transparency & Accountability
  • Equity/Equality
  • Teamwork
  • Innovativeness

Who We Are

Ubunifu SACCO was formed by a team of young, ambitious and creative self-employed individuals. The SACCO has progressively grown and today has a membership consisting of individuals from diverse career and job settings.

Our common bond is the need for tailor-made financial services that do not discriminate against individuals based on their financial status (whether employed or self-employed).

"We (UBUNIFU SACCO) are who we are today because we joined hands together to build ourselves. We had a Dream and believed, we Created and we are Achieving. You are never late to join us."

Why Choose Ubunifu SACCO?

Secure & Licensed

Fully registered and regulated SACCO

Low Interest Rates

Competitive rates on all loans

Quick Processing

Fast loan approval and disbursement

Dedicated Support

Professional guidance every step

Our Loan Products

Flexible financing solutions tailored to meet your unique needs and aspirations

Start-Up Loan

Launch your business venture with our flexible start-up financing.

Interest Rate: 12% p.a.
Max Period: 12 months
  • Reducing balance calculation
  • Perfect for new businesses
  • Quick approval process
Apply Now

Development Loan

Finance your construction, renovation, or property development projects.

Interest Rate: 16% p.a.
Max Period: 60 months
  • Reducing balance calculation
  • Flexible repayment schedule
  • Extended repayment terms
Apply Now

Normal Loan

General purpose lending for all your financial needs with flexible terms.

Interest Rate: 14% p.a.
Max Period: 24 months
  • Reducing balance calculation
  • Flexible repayment period
  • Multiple repayment options
Apply Now

Elimu Loan

Invest in education - school fees financing for your children's bright future.

Interest Rate: 12% p.a.
Max Period: 24 months
  • Reducing balance calculation
  • Cover tuition and fees
  • All education levels
Apply Now

Teketeke Loan

Emergency loan - get funds within the same working day with no guarantors needed.

Interest Rate: 20% flat
Max Period: 3 months
  • Same-day disbursement
  • No guarantors required
  • Not tied to existing loans
Apply Now

Household/Gadget Loan

Finance electronics, furniture, and household appliances with ease.

  • Electronics & appliances
  • Furniture financing
  • Affordable installments
Apply Now

Jienjoy Loan

Live your best life - finance vacations, events, and lifestyle needs.

  • Vacation financing
  • Event planning support
  • Lifestyle upgrades
Apply Now
POPULAR

Instant Loan

Super-fast processing for urgent financial needs with minimal requirements.

Interest Rate: 6.5% p.m.
Max Period: 3 months
  • Ultra-fast approval
  • No guarantors needed
  • Digital application
Apply Now

What Do I Need to Become a Member?

Registration Fee

KES 2,000 one-time fee

Share Capital

KES 10,000 minimum

Note: Payable in 3 monthly installments

Total entry requirement: KES 12,000

The KES 12,000 total entry requirement is payable in 3 monthly installments

Join Ubunifu SACCO Today

How to Apply for a Loan

1

Become a Member

Register and open your SACCO account with us

2

Fill Application

Complete the loan application form

3

Submit Documents

Provide required documentation

4

Get Funded

Receive your loan after approval

Download Loan Application Form

Loan Calculator

Calculate your monthly loan repayments and plan your finances

Your Loan Summary

Monthly Payment

KES 0

Total Repayment KES 0
Total Interest KES 0
Loan Amount KES 0

This is an estimate. Actual rates may vary based on your application and loan type.

Check-off

Direct salary deduction

Direct Debit

Automatic bank transfer

Standing Order

Scheduled payments

Meet Our Team

Dedicated young professionals committed to your financial success

Our experienced leadership team brings together passion, innovation, and financial expertise. As a youth-led SACCO, we understand the unique financial needs of young people and are here to guide you every step of the way.

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Together, we make your financial dreams a reality

Youth-Led • Innovative • Dedicated

What Our Members Say

"Ubunifu SACCO helped me finance my children's education with their Elimu loan. The process was smooth and the rates were very affordable. Highly recommended!"

JM

Jane M.

Member since 2022

"The development loan allowed me to complete my house project on time. The team was professional and always available to answer my questions."

PK

Peter K.

Member since 2021

"Fast service, low interest rates, and excellent customer support. Ubunifu SACCO truly cares about its members' financial wellbeing."

SM

Sarah M.

Member since 2023

Get In Touch

Visit us, call us, or send us a message. We're here to help you grow.

Contact Information

Visit Us

Highway City Business Centre

2nd Floor, Along Thika Road

Nairobi, Kenya

Call Us

0746 495 852

0746 495 852

Email Us

info@ubunifusacco.com

Postal Address

P.O. BOX 47705 – 00100

Nairobi, Kenya

Office Hours

Monday - Friday: 8:00 AM - 5:00 PM

Saturday: 9:00 AM - 1:00 PM

Sunday: Closed

Send Us a Message