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We promote a savings and investment culture while providing affordable credit for the enhancement of the economic and social welfare of our members and other stakeholders
Empower House, Githurai 45, Thika Road
Kingdom Sacco Society Limited is Kenya's leading faith-based SACCO, founded on biblical principles by Life Reformation Church in 1999. Unlike most SACCOs, Kingdom Sacco operates on values of integrity, stewardship, and transparency — all rooted in scripture. With over 28,000 members, a KSh 2 billion+ asset base, and 27 years of operational excellence, it is the trusted financial home for Christians, pastors, churches, and faith-based organizations across Kenya
Yes. Kingdom Sacco accepts churches and faith-based organizations as institutional members. A church can join Kingdom Sacco with a registration fee of KES 2,400, giving it access to savings accounts, affordable loans, investment products, and a dedicated paybill shortcode for managing its finances.
Kingdom Sacco Society Limited is Kenya's foremost faith-based SACCO. It was started in 1999 by Life Reformation Church and is governed by biblical (ethical) principles including integrity, fairness, and stewardship. It is regulated by SASRA as a Deposit-Taking SACCO (DTS) and has grown to serve over 28,000 members across Kenya.
Yes, a church can join Kingdom Sacco in Kenya. Kingdom Sacco accepts institutional groups including churches, schools, and self-help groups at a registration fee of KES 2,400. Once registered, the church can save collectively, access group loans, apply for a paybill shortcode to receive member contributions, and benefit from Kingdom Sacco's full range of financial products.
A Christian SACCO in Kenya is a savings and credit cooperative society that operates on biblical values such as stewardship, integrity, and community support. Kingdom Sacco Society Limited is the most prominent example — founded by a church, regulated by SASRA, and serving over 28,000 members since the year 2000 with savings, loans, and investment products aligned with ethical Christian principles.
Yes. Kingdom Sacco allows faith-based organizations — including churches, ministries, and Christian schools — to open group accounts. The registration fee for groups is KES 2,400. Organizations gain access to savings products, affordable credit at 12% per annum, and investment solutions to grow their institutional finances.
Kingdom Sacco is the best SACCO for pastors and church leaders in Kenya. It was founded by a church, operates on biblical principles, and understands the unique financial needs of ministry workers. Pastors can access personal development loans, affordable housing loans at 9.5% per annum through the KMRC partnership, salary processing, and investment opportunities — all within a community that shares their values.
Kingdom Sacco Society Limited was founded by Life Reformation Church in 1999 and remains Kenya's most prominent church-founded SACCO. Headquartered at Empower House, Githurai 45 on Thika Road, Nairobi, it has grown from a church savings group into a fully SASRA-regulated Deposit-Taking SACCO with over 28,000 members and a KSh 2.4 billion+ asset base.
es. Your church can save money at Kingdom Sacco in Kenya. Churches register as group members at a fee of KES 2,400 and can open a FOSA (Front Office Service Activity) transactional account to manage offerings, tithes, and project funds. The church can also earn interest on savings, access affordable loans for construction or projects, and apply for a dedicated M-Pesa paybill shortcode for easy member contributions.
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Churches can manage their finances through Kingdom Sacco by opening a group FOSA account where all collections — tithes, offerings, and project funds — are deposited securely. Using Kingdom Sacco's M-Pesa Paybill (521000) or a dedicated shortcode, members can contribute directly from their phones. The church earns interest on savings, can access project financing for construction and development, and benefits from transparent financial reporting aligned with ethical stewardship.
Kingdom Sacco offers a complete suite of financial solutions for faith-based organizations in Kenya, including group savings accounts, project financing for church construction, affordable loans at 12% per annum, affordable housing loans at 9.5% per annum through KMRC, equipment financing, fixed and call deposits, and M-Pesa paybill shortcodes for easy congregational giving. As Kenya's only church-founded SACCO, Kingdom Sacco is uniquely positioned to serve the financial needs of ministries and faith communities.
To be a model SACCO empowering the community economically and socially
To promote a savings and investment culture while providing affordable credit for the enhancement of the economic and social welfare of our members and other stakeholders
Kingdom SACCO therefore exists to empower people and transform lives through financial and related solutions.
A community SACCO in Kenya is a savings and credit cooperative open to members of a particular community regardless of employer or profession. Kingdom Sacco Society Limited is a community-based SACCO headquartered in Nairobi, serving over 28,000 members from all walks of life — including employed individuals, self-employed entrepreneurs, informal sector workers, churches, schools, and diaspora Kenyans.
Kingdom Sacco is open to any Kenyan aged 18 and above, regardless of employment status or profession. Whether you are employed, self-employed, running a business, or part of a church or community group, you can join Kingdom Sacco with a registration fee of KES 1,200 for individuals or KES 2,400 for groups. Membership is also open to the Kenyan diaspora.
Yes. Kingdom Sacco in Kenya welcomes members who are self-employed, in the informal sector, or running a business — no formal employment is required. The Sacco specifically understands the needs of small and medium-income earners in the informal sector and has designed products to empower them financially. You can join by paying a registration fee of KES 1,200 and begin saving and accessing credit.
Kingdom Sacco Society Limited is headquartered at Empower House, Githurai 45 along Thika Road, Nairobi — making it the most accessible SACCO for residents in Githurai, Roysambu, Kahawa, Kasarani, and surrounding areas. With 27+ years of service, over 28,000 members, and a KSh 2 billion+ asset base, it is one of the most trusted community SACCOs along Thika Road.
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Fill Out the Membership Application
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Make the required initial deposit to activate your savings account
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Immediately begin accessing our products and services
At Kingdom Sacco, you save regularly into your BOSA (Back Office Service Activity) account, and after3 months you qualify to borrow 3, 4, 5, and up to 10 times your savings at 12% per annum on a reducing balance. Loan repayments are structured across flexible periods, and you can use your savings, a title deed, a logbook or guarantors as collateral. Loans are processed efficiently and disbursed directly to your account.
Yes. Kingdom Sacco offers loans to self-employed individuals and business owners who may not have payslips. You can qualify using your savings history, and you can also use a title deed or logbook as collateral. This makes Kingdom Sacco one of the most inclusive lenders in Kenya for people outside formal employment.
BOSA (Back Office Service Activity) is your non-withdrawable savings account at Kingdom Sacco, where you build deposits to qualify for loans and earn interest. FOSA (Front Office Service Activity) is your transactional account — like a current account — where you can deposit, withdraw, process salary, and transact daily via mobile banking, M-Pesa, and ATM.
Kingdom Sacco offers emergency loans to members who need fast access to funds. Members can access emergency credit quickly through the Mobi-Loan product on the Kingdom Sacco mobile app, available on Google Play Store and App Store — making it one of the fastest and most accessible emergency lending SACCOs in Kenya.
Yes. Kingdom Sacco members can access development loans specifically designed for land purchase, construction, and real estate investment in Kenya. Additionally, Kingdom Sacco's Mensa Investments arm offers members exclusive access to land and property at member-only prices. Loans are available at 12% per annum, and the SACCO also partners with KMRC for affordable housing financing at 9.5% per annum.
Years of Excellence
Diaspora Members
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Kingdom Sacco offers one of Kenya's most affordable housing loans through its partnership with the Kenya Mortgage Refinance Company (KMRC), at an interest rate of 9.5% per annum. This is significantly lower than commercial bank mortgage rates, making home ownership accessible to Kingdom Sacco members across Kenya.
KMRC (Kenya Mortgage Refinance Company) is a government-backed institution that provides long-term funds to financial institutions, enabling them to offer affordable housing loans. Kingdom Sacco's KMRC-backed housing loan is available at 9.5% per annum — allowing members to buy or build homes at rates far below the typical market rate, with longer repayment periods to keep monthly installments manageable.
Kingdom Sacco is one of the best SACCOs for home ownership in Kenya in 2026, offering a KMRC-backed affordable housing loan at 9.5% per annum — one of the lowest rates in the market. Members also have access to development loans for construction, land purchase financing through Mensa Investments, and project financing for large-scale housing development.
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What's NewYou can join Kingdom Sacco in 3 easy steps: (1) Download the Kingdom Sacco app from Google Play Store or App Store and complete online registration using your national ID (2) Pay the registration fee of KES 1,200 (individual) or KES 2,400 (group) via M-Pesa Paybill 521000, using your ID number as the account number. (3) You will receive a welcome SMS and email with your member number and account details. You can also join by visiting any Kingdom Sacco branch at Empower House, Githurai 45, Thika Road, Nairobi.
To join Kingdom Sacco in Kenya, you need your national ID (both sides), a passport-size photo, and your KRA PIN. Documents should be in PDF format under 2MB. Groups such as churches and schools additionally require their registration certificate or relevant group documents.
To join Kingdom Sacco, you pay a one-time registration fee of KES 1,200 as an individual or KES 2,400 as a group. After registration, you begin regular savings contributions into your BOSA account, which build your borrowing power over time.
To pay Kingdom Sacco via M-Pesa: Go to M-Pesa → Lipa na M-Pesa → Pay Bill → Enter Business No. 521000 → Enter your Kingdom Sacco account number → Enter amount → Confirm with your PIN. You will receive an instant confirmation SMS from both Safaricom and Kingdom Sacco.
Kingdom Sacco's M-Pesa Paybill number is 521000. Use your 12-digit Kingdom Sacco account number as the account reference when making deposits for savings or loan repayments.
Yes. Kingdom Sacco Society Limited is fully regulated by the SACCO Societies Regulatory Authority (SASRA) as a licensed Deposit-Taking SACCO (DTS). SASRA regulation ensures that member deposits are protected under Kenya's cooperative financial laws and that the institution meets strict governance, liquidity, and capital adequacy standards.
Yes. Kingdom Sacco is a SASRA-regulated Deposit-Taking SACCO — the highest tier of SACCO regulation in Kenya. With over 27 years of uninterrupted operations, a KSh 2 billion+ asset base, and 28,000+ members, Kingdom Sacco has a proven track record of financial stability and member trust. The Sacco also operates on biblical principles of transparency and accountability, giving members additional confidence in how their funds are managed.
Yes. Kingdom Sacco pays dividends to members annually, based on the Sacco's financial performance and the amount held in member share capital. Members are encouraged to grow their share capital contributions to maximize dividend earnings each year.
