Kenpipe Sacco Loans 2026: BOSA and FOSA Loan Rates, Limits and Guarantors

Updated 31 October 2026

Kenpipe Sacco’s BOSA loans cost 12% a year on a reducing balance for development, housing, school fees and emergency needs. The working-capital loan costs 13%, the Super Loan 14% straight-line over up to 120 months, and the collateral-backed Platinum Loan 15% for up to KSh 15 million. Retired members can take a self-guaranteed loan at 9% a year with no guarantors. FOSA loans for members whose salary goes through Kenpipe cost 14% a year, while short mobile advances charge 10% upfront. All figures come from Kenpipe’s BOSA and FOSA loan pages, checked on October 31, 2026. The pages list product names as tabs above unlabelled feature blocks, and we matched them in the order shown. Confirm the product name with the Sacco when you apply.

Kenpipe Sacco BOSA loans

General rules: you can borrow up to 3 times your share deposits, the one-third rule on pay applies, and you need eligible guarantors.

Pay attention to the “straight-line” rate on the Super Loan. If, as is common, that means interest is charged on the original amount for the whole term, it costs much more than a reducing-balance rate. Over 10 years, interest at 14% straight-line would add up to 140% of the amount you borrowed. Ask the Sacco to confirm how it is worked out.

Kenpipe Sacco FOSA and mobile loans

To qualify, your salary must go through Kenpipe FOSA. Clearing other loans carries a 5% offset charge. For mobile loans, your salary must have gone through FOSA at least three times, and the system uses the lowest of those three salaries.

What it costs: an example

Here is our own estimate, not a Sacco quote. KSh 1 million on the Normal Loan at 12% reducing over 48 months costs about KSh 26,300 a month and roughly KSh 264,000 in interest. The same amount as a FOSA Okoa loan at 14% over 36 months is about KSh 34,200 a month and roughly KSh 230,000 in interest. Before borrowing, check whether your payslip can carry the higher instalment under the one-third rule. For moving loans from other lenders, read our Sacco loan buy-off guide.

Contacts

Kenpipe Sacco can be reached on 0710 600 999 or 0735 700 971. Loan forms are on the Kenpipe Forms page of its website. Compare the rates with other Saccos in our Sacco loan comparison.

Frequently asked questions

How many guarantors does Kenpipe Sacco need?

At least 6 for the main BOSA loans, rising to 10 for loans above KSh 2 million. The Almasi loan for retirees needs none.

What is the cheapest Kenpipe Sacco loan?

The self-guaranteed retiree loan at 9% a year. For working members, the 12% reducing-balance loans are the cheapest.

Does Kenpipe Sacco have mobile loans?

Yes. Weekend Njema on MSACCO lends up to KSh 10,000 for one month at 10% upfront.