Capital Loan

  • A loan designed to assist business ventures requiring huge capital outlay such as schools, hospitals, hotels and businesses with huge cash flows such as petrol stations, supermarkets etc.
  • The repayment period will be from 49 to 84 months.
  • The account is pegged on the ability to pay but not deposit multiplier.
  • The loan can be applied online from the members’ comfort.

Soko Loan

  • A product designed to help business members fuel their working capital .
  • The repayment ranges from 1 month to 4 months.
  • The multiplier for the loan is 3 times the members’ deposits.
  • The interest rate is affordable.

Biashara Loan

  • The loan targets retail and wholesale businesses including mama mboga and jua kali business.
  • The repayment ranges from one month to 48 months.
  • The multiplier for the loan is 3 to 5 times the members’ deposits depending with the accounts’ flow.
  • Interest is on reducing balance.

Kilimo Loan

  • The loan targets the agricultural sector and those carrying out commercial farming.
  • The repayment ranges from one to 48 months.
  • Highly competitive rates and interest.

Micro-credit Loans

A competitively designed group-based/chama loan for those running small scale businesses but with growth potential. Loan terms and conditions are attractive and flexible.

Skip the branch visit! Dial *582# now and manage your finances with M-Winas.

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Testimonials

Joining Winas Sacco was the best financial decision I’ve made. Their mobile services with M-Winas are so convenient, and their interest rates on savings are fantastic!

John M / Entrepreneur

Since switching to Winas Sacco, I’ve finally been able to save consistently. Their friendly staff and helpful loan options helped me achieve my dream of starting my own business.

Sarah W / Boutique Owner

Winas Sacco goes beyond just banking. They truly care about their members’ financial well-being. Their financial literacy workshops have been incredibly helpful.

David K / Teacher

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