Updated 31 October 2026
Yetu Sacco, headquartered on Mikumbune Road in Nkubu, Meru County, has about a dozen loan products. They include Mapato salary loans for TSC teachers and civil servants (up to 48 months, or 96 months on Super Mapato), Biashara business loans (36 months), Msingi loans for tea farmers and Kilimo dairy loans (both 36 months), and Asset Finance of up to 10 times your deposits over 60 months. The Sacco says its rates are “attractive” and mostly on a reducing balance, but it does not publish them. Every term below comes from Yetu Sacco’s own loan pages, checked on October 31, 2026.
Yetu Sacco loans at a glance
| Loan | Who it is for | Max period | Limit / rule | Main requirements |
|---|---|---|---|---|
| Mapato Salary Loan | TSC, civil servants and other government staff | 48 months (Super Mapato: 96) | Two-thirds rule on net pay | Last 3 payslips, shares, guarantors or security |
| Biashara Loan | Existing businesses | 36 months | Not stated | Account active 3 months, shares, collateral |
| Msingi Loan | Tea farmers | 36 months | Two-thirds rule on 3 months’ payments | Last 3 tea bonuses, payslip, 3 guarantors and a witness |
| Kilimo Loan | Dairy farmers | 36 months | 5x shares | Milk payments through the Sacco; last 3 months’ payouts |
| Elimu Loan | School and college fees | 12 months (school), 24 months (college) | Not stated | Stamped admission letter, full-year fee structure, shares, guarantors |
| Asset Finance | Cars, land, machinery, matatus | 60 months | Usually 10x deposits | Account active 3 months; asset charged as security |
| LPO Financing | Suppliers and contractors with tenders | 120 days | Guided by the LPO | Signed LPO, committal letter, payment routed through the Sacco |
| Insurance Premium Financing | Individuals, SMEs, farmers | 3 to 10 months | KSh 5,000 to KSh 1 million | Proof of income; company documents for businesses |
| Micro Finance (groups) | Registered self-help groups | Not stated | 4x up to 10x savings | Group and individual accounts; 8 weeks of saving |
Mapato salary loans for teachers and civil servants
Mapato is the main product for check-off borrowers. It follows the “two-thirds rule”: after all deductions, at least one third of your basic pay must remain. In practice your Yetu repayment must fit in the space left on your payslip. Super Mapato stretches repayment to 96 months, which lowers the monthly instalment but raises the total interest you pay. Bring your last three payslips and have your shares and guarantors ready.
Farmer loans: Msingi and Kilimo
Yetu’s farmer loans are built around Meru’s tea and dairy farming. The Msingi Loan sizes your loan from your tea payments using the two-thirds rule, and you need your last three tea bonuses and three guarantors. The Kilimo Loan lends up to five times your shares for dairy farming, but only if your milk payments go through the Sacco. This lets the Sacco recover repayments directly from your milk income.
Asset Finance, LPO and mortgages
Asset Finance usually lends 10 times your deposits, which is high for a Sacco. You need to have held your account for at least three months. The asset must be charged to the Sacco, and matatu owners must belong to a registered matatu Sacco. LPO Financing helps suppliers carry out government or institutional orders: repayment is tied to the LPO (up to 120 days), and the buyer’s payment must come through Yetu Sacco.
The mortgage and construction loan needs a signed sale agreement, a current copy of the title, a bill of quantities from a registered quantity surveyor, a contractor’s work plan and a building contract. The property is valued by a Sacco-panel valuer and secured by a first legal charge. For how mortgages work more generally, see our Kenya mortgage guide.
Mobile loans and how to apply
Yetu Sacco’s M-Banking service lets members check balances, move money from M-Pesa to FOSA and get mobile loans. The website does not list mobile loan limits or rates, so check them in the app or at a branch. For other loans, fill in the form from the downloads page or a branch, attach your documents and hand it in. You can also call 0724 114 444.
Because the rates are not published, ask for the annual rate and all fees in writing, then compare them using our Sacco loan comparison.
Frequently asked questions
Where is Yetu Sacco’s head office?
Nkubu, on Mikumbune Road opposite MCK Church, P.O. Box 511-60202 Nkubu.
How much can I borrow from Yetu Sacco?
It depends on the product: 5 times shares on the Kilimo loan, usually 10 times deposits on Asset Finance, up to 10 times savings for groups, and whatever the two-thirds rule allows on salary and tea loans.
Does Yetu Sacco lend to TSC teachers?
Yes. The Mapato and Super Mapato salary loans target TSC teachers, civil servants and other government employees.
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