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Who qualifies to join Amref Sacco?

Staff of NGOs and Companies, former staff of these organizations, spouses and dependants of our members.

When do I qualify for a loan?

After 6 months of monthly savings and upon attaining share capital of Ksh 10,000.

What is the maximum number of people I can guarantee?

A maximum of 6 members but within your deposits limit.

What is the maximum amount I can borrow as a loan?

All loans held by a member shall not exceed 3 times of deposits held in the Society with an exception to Shamba loan

What are the various modes of payment?

Check off, through the bank and Mpesa Paybill.

What are the requirements that should be observed when applying for a loan?

All sections in the loan form should be duly completed and the relevant documentation attached as per the loans conditions in section A(6) and section B

How long will my loan application take before I receive it?

Cash loans are paid within 24hours will all other loans are processed as they come and paid out with 3-5 working days from the time they are received.

How do I check my guarantor and guarantee status?

This information is available from the online statement under the member login section.

How do I amend my contributions?

By filling out the Authorization form under the downloads section for check off payments. Other modes of payment can be amended by sending an email to This email address is being protected from spambots. You need JavaScript enabled to view it.

How can I check my loan status?

This information is available from the online statement under the member login section.

How can I check my deposits?

This information is available from the online statement under the member login section.

How are the membership withdrawal terms?

Withdrawal notice should be given in writing. The reimbursements as per the society’s bylaws will be done within 30days subject to any loan liabilities.

Member Organizations