How to Join Username SACCO.
Pick the track that matches you, see the exact fees, documents and start your registration right here.
You're registering as
An individual member
For anyone opening a personal savings and loan account.
KSh 1,000Registration fee
KSh 5,000Share capital (50 @ KSh 100)
KSh 1,000Minimum monthly
What you'll need
National ID or passport
KRA PIN certificate
Passport-size photo
Username SACCO is licensed by the Ministry of Co-operatives and MSMEs, reviews every application the same day, and serves members across Kenya.
Our Products & Services
Experience a community that empowers your dreams and drives your financial growth!

Instant Loan
Quick, flexible, and guarantor-free loans for urgent needs.

Property Loan
Own your dream plot with as low as 5% deposit.

Diaspora Wezesha Loan
Up to 3x your savings, from 1% p/m on reducing balance.
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Why Choose Username SACCO?
We combine member-first financial services with trusted governance and modern convenience to help you build a brighter financial future.
Affordable Loans
Grow without high-interest burdens.
Rewarding Returns
Earn dividends while you save
Quick Loan Processing
Fast approvals, no unnecessary delays
Flexible Savings Options
From as low as Kshs 1,000 per month
Digital Access
Track your account anywhere, anytime
Community-Driven
Be part of something bigger.
Tailored Financial Solutions for You
Serving all Kenyans with a dream to grow financially.Instant Loan processing in minutes.