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About Vision

VISION SACCO LTD is a strong, reliable and efficient society that was registered on 29th November 1980


Join Us

Employees of international organization, non governmental organization, foreign missions and embassies are eligible to join


Products & Services

Vision Sacco provides affordable savings and credit products alongside various financial services to our members.


Our Products

    Vision Advance
    This is like a salary advance. This is an Advance secured on the Deposits of the applicant.
    Loan Booster
    New product that helps members to apply for all other loans EXCEPT development loans.
    Emergency Loan
    The upper ceiling is Kshs.150,000 and is repayable in 12 months .An application MUST be adequately supported
    School Fees Loans
    An application MUST be supported by a fees structure for the particular year

Vision News

  • Junior savings account is designed to enable parents plan for their children’s education through savings accumulation for a given period of time.


  • A voluntary fixed savings plan to enable members save for a dream holiday in one simple step. Payable half yearly interest 4% p.a



Who is eligible to access Vision Sacco Credit Facilities?

Members admitted in accordance with the By–Laws and are making monthly remittances.

When does a member become eligible for a loan?

A member becomes eligible after a minimum membership period of four months and on fulfilling all requirements of a specific loan product. Members who transfer their deposits from another Sacco are exempted from the waiting period. However, loan advance can be taken within 1 month after registration provided that the amount can be secured using own funds.

How is a loan application made?

A loan application must be done in writing on prescribed forms which must be fully filled. The applicant must attaché all relevant documents. Alteration will not be allowed.

What is the difference between Shares, Deposits and Savings?
  • The amount representing a member’s portion in the equity of the society as a co-owner.
  • No member other than a Cooperative Society shall hold more than one-fifth (1/5) of the total shares
  • Shares are not used to determine the eligibility of a borrower or a guarantor.
  • Shares are not withdraw able but are transferable.
  • Every active member must make regular deposits in accordance with Savings and loans policies.
  • They are not withdrawn in part or in full as long as a person is an active member of the Sacco.
  • These deposits may be used to determine the eligibility of a borrower or a guarantor.
  • Savings

    In addition to shares and deposits a member may invest in a saving account. The Sacco provides the Junior Savings Account and Safari Savings Account.

    Does interest charged by the Sacco fluctuate during the term of the loan?

    The Sacco charges interest on declining balance at the applicable interest rate per month.