Kimisitu Sacco Loans 2026: Interest Rates, Makao Halisi Mortgage and M-Kimisitu Explained

Updated 31 October 2026

Kimisitu DT Sacco’s long-term loans range from 12% a year (Development, Emergency, Education and the Makao Halisi mortgage) to 15.6% a year (Premier Loan). Most products lend 4 times your deposits, Premier and Asset Finance lend 5 times, and Makao Halisi lends 7 times. It also offers a 9% KMRC-backed home loan of up to KSh 10.5 million over 25 years, and an instant mobile loan, M-Kimisitu, at 7% a month. Members on check-off can borrow after 3 months and other members after 6. All figures come from Kimisitu’s own loan product pages, checked on October 31, 2026.

Kimisitu Sacco loan chart

Security for most loans can be self-guarantee, guarantors, a car logbook or a land title. Top-up versions of the Emergency, Education, Development and Special Development loans charge the same rate as the original loan.

Mobile loans and salary advance

• M-Kimisitu: up to KSh 300,000 over 6 months at 7% a month. You can borrow straight away as long as you have money in your deposit account, and top-ups are charged 2.5% of the loan balance.
• Salary Advance: up to 80% of net salary, rising to a KSh 500,000 limit, with a one-off 6% charged upfront and repayment over 4 months. Your salary must have gone through FOSA for at least one month.

At 7% a month, M-Kimisitu works out to about 84% a year at simple rates. Over the same period, a 12% Emergency Loan is far cheaper if you can wait for approval.

Asset finance rules

Vehicles must be less than 8 years old. For Toyotas, the car can secure 70% of the loan and guarantors or other security must cover the remaining 30%. For other makes the split is 60/40. The loan limit is KSh 10 million over 48 months.

Home loans: Makao Halisi vs KMRC

The KMRC product is the cheaper option at 9%, but it only covers buying or building a residential home, up to KSh 10.5 million. Its 1% processing fee is the same as the terms explained in our KMRC mortgage guide. Makao Halisi costs 12%, but it goes up to KSh 50 million and also finances land and commercial property.

Here is our own estimate, not a Sacco quote. KSh 5 million at 9% over 25 years is about KSh 42,000 a month. At 12% over 12 years (Makao Halisi’s 144 months), it is about KSh 65,700 a month.

Tusonge Mbele: loans for chamas

Registered chamas can borrow for land and housing projects. Monthly repayments are based on the group’s contributions. You need six months of consistent contributions, a sealed application form, memorandum and articles, a sealed resolution to borrow, a contribution schedule, and either a title and sale agreement or a bill of quantities. Our guide to the best banks for chamas compares other options.

Frequently asked questions

How soon can I borrow from Kimisitu Sacco?

After 3 months if you are on check-off, or 6 months if you are not. M-Kimisitu is available immediately if you have deposits.

What is the cheapest Kimisitu loan?

The KMRC mortgage at 9% a year. For other purposes, the Development, Emergency and Education loans cost 12% a year.

Does Kimisitu lend to chamas?

Yes, through the Tusonge Mbele loan for land and housing projects.