Updated 31 October 2026
Wanandege Sacco, headquartered in Embakasi, Nairobi, charges 12% to 15% a year on its long-term loans. The Development, Super, Emergency and School Fees loans cost 12%, Refinancing costs 13%, Wezesha, Star and Bash cost 14%, Business costs 14.5% and Maisha costs 15%. Repayment periods run from 12 to 84 months. Its mobile short-term loans on *882# are much more expensive: the Airlift loan and Salary Advance both carry 10% a month. All figures below come from Wanandege Sacco’s own product pages, checked on October 31, 2026.
Wanandege Sacco long-term loans
| Loan | Purpose | Interest (p.a.) | Max period | Key condition |
|---|---|---|---|---|
| Development Loan | Home improvement, property, farm development | 12% | 48 months | Also open to non check-off members |
| Super Loan | Development | 12% | 60 months | Max 3x deposits |
| Emergency Loan | Hospital bills, burials, court cases | 12% | Not stated | Processed within 30 minutes |
| School Fees Loan | Own or dependants’ fees | 12% | 12 months | Deposits or guarantors |
| Refinancing Loan | Replace existing debt | 13% | 48 months | Guarantors or own deposits |
| Wezesha Loan | Consolidate large balances plus top-up | 14% reducing | 84 months | 4x BOSA deposits; member for over 2 years; one-third rule |
| Star Loan | Collateral-backed borrowing | 14% | 72 months | Deposits of 20% of loan; up to 80% of collateral’s forced sale value; 3% processing and insurance |
| Business Loan | Individuals, groups, companies in business | 14.5% | 36 months (min 3) | 6 months of transactions with the Sacco |
| Maisha Loan | New members (under 1 year) | 15% | 48 months | Up to KSh 2 million after 3 deductions; 34% goes back into deposits |
For most of these loans you need at least six months of steady contributions, a completed loan form and two original current payslips. Repayment is by check-off or standing order. Wezesha and Super loans cannot be held at the same time.
Short-term and mobile loans on *882#
| Loan | Limit | Interest | Repayment |
|---|---|---|---|
| Airlift Loan | Up to KSh 200,000, set from your payslip | 10% a month, reducing balance | 1 month (up to KSh 20,000); 1–2 months (KSh 20,001–70,000); 1–3 months (KSh 70,001–200,000) |
| Salary Advance | 75% of your 3-month average salary | 10% a month | 1 month; salary must come through FOSA |
| Bash Loan | Up to KSh 50,000 | 14% a year | 12 months |
| Dividend Advance | Pegged to expected dividend | Not stated | Recovered when dividends are paid |
To get an Airlift loan, send your current payslip to the credit manager so a limit can be set, then dial *882#.
What this means for your wallet
Here is our own estimate, not a Sacco quote. A KSh 50,000 Airlift loan repaid in one month at 10% costs KSh 5,000. The same KSh 50,000 as a Bash loan at 14% a year over 12 months costs about KSh 3,900 in total interest, spread over a whole year. If you can plan ahead, the long-term products are far cheaper. Use Airlift and Salary Advance only for short, genuine gaps.
The Maisha loan suits new members, since it is available after just three deductions, but it comes with a condition: 34% of the amount is ploughed back into your deposits, so you receive less cash than you borrow. Wezesha suits long-standing members whose payslips are stretched, because it consolidates loans over seven years. Read our Sacco loan buy-off guide before refinancing.
Contacts and how to apply
The head office is at Wanandege Plaza, off Old North Airport Road, opposite Embakasi Police Station, P.O. Box 19074-00501 Nairobi (0722 208 557 or 0111 044 900). There is also a Mombasa office at Moi International Airport, Terminal 2. The office opens 8 am to 5 pm on weekdays and 8 am to noon on Saturdays. Loan forms are on the Sacco’s Forms page. To compare these rates with other Saccos, see our Sacco loan comparison.
Frequently asked questions
What is the Wanandege Sacco USSD code?
*882#, used for the Airlift loan, Salary Advance and Dividend Advance.
What is the cheapest Wanandege Sacco loan?
The Development, Super, Emergency and School Fees loans at 12% a year.
How long before I can borrow?
Most loans need six months of consistent contributions. The Maisha loan is available after three deductions, and Wezesha needs more than two years of membership.
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