Updated 31 October 2026
Winas Sacco, based in Embu, offers 15 loan products in three groups: salary loans repaid through its FOSA (from one month up to 72 months), check-off loans deducted from your payslip (up to 120 months for development and buy-off loans), and business loans for traders, farmers and larger ventures (from one month up to 84 months). The details below come from Winas Sacco’s own product pages, checked on October 31, 2026. The Sacco describes its rates as “affordable” and mostly on a reducing balance basis but does not publish the percentage, so ask for the current rate before applying.
Winas Sacco salary loans (FOSA)
| Loan | Repayment period | Notes |
|---|---|---|
| Salary in Advance (Mobile Advance) | 1 month | Instant, for salaried members |
| Salary Advance | 1 to 12 months | Repaid from salary or pension through FOSA; apply online |
| Emergency Loan | 13 to 24 months | Instant; repaid through FOSA |
| Fosa Instant Loan | 25 to 72 months | Instant; repaid through FOSA |
| Fosa Jijenge Loan | 13 to 72 months | For private-sector staff paid through Winas and retirees whose pension is paid through the Sacco |
Salary loans need your salary or pension to be processed through Winas Sacco’s FOSA, because that is how repayments are recovered.
Winas Sacco check-off loans (BOSA)
| Loan | Repayment period | Notes |
|---|---|---|
| Personal Loan | 36 months | Short-term domestic needs; reducing balance |
| Development Loan | 37 to 120 months | Capital-intensive projects such as building; reducing balance |
| Premier Loan | 37 to 120 months | For buying off loans from other lenders; no deposit multiplier but needs minimum share capital |
| Bosa Loan Advance | Not stated | Advance before a main loan is fully approved and disbursed |
| Bank Loans Buyoff | Not stated | Sacco clears your expensive bank loans |
Winas Sacco business and SME loans
| Loan | Repayment period | Limit basis | Who it targets |
|---|---|---|---|
| Soko Loan | 1 to 4 months | 3x deposits | Working capital for business members |
| Biashara Loan | 1 to 48 months | 3x to 5x deposits, depending on account flow | Retail and wholesale, including mama mboga and jua kali |
| Kilimo Loan | 1 to 48 months | Not stated | Commercial farming |
| Capital Loan | 49 to 84 months | Ability to pay, not a deposit multiplier | Schools, hospitals, hotels, petrol stations, supermarkets |
| Micro-credit Loan | Flexible | Group-based | Chamas and small-scale businesses |
How the deposit multiplier works
Most Sacco loans are capped at a multiple of your savings (deposits). With a 3x multiplier, KSh50,000 in deposits supports a Soko Loan of up to KSh150,000. A Biashara Loan can go up to 5x if your business account shows strong flow. The Capital Loan and Premier Loan break this rule: they are based on your ability to repay or on minimum share capital instead.
Savings accounts at Winas Sacco
Winas also lists a Current Account, Step Gap Account, Jolly Junior and Scholars accounts for children, a Holiday Account, a Biashara/Kilimo-Biashara Account and a Fixed Deposit Account. Mobile services run on M-Winas.
Is a Sacco buy-off worth it?
The Premier Loan and Bank Loans Buyoff can lower your rate if you are paying a high bank or digital-lender rate. But a longer term (up to 120 months) can increase total interest paid. Compare the total cost, as explained in our sacco loan buy-off guide, and use a reducing-balance calculator before signing.
Who can join Winas Sacco
Winas Sacco is a deposit-taking Sacco headquartered in Embu, and its loan products are open to members only. To borrow, you first join by buying the minimum share capital and then saving regular monthly deposits, because most loans are calculated as a multiple of what you have saved. Salaried members usually have their pay processed through the Sacco’s front office (FOSA), which lets the Sacco recover salary loans directly. Business owners can instead show flow through a Biashara or Kilimo-Biashara account. Ask the nearest branch for the current membership fee, minimum share capital and how long you must save before you qualify for each loan, since these details are not listed on the product pages.
Tips before you apply
- Ask for the interest rate as an annual figure and confirm whether it is on a reducing balance or flat basis.
- Ask about loan processing fees, insurance (loan protection) and any guarantor requirements.
- Check how much of your payslip will remain after deductions; employers often cap check-off deductions.
- For business loans, keep six to twelve months of clean account records so the Sacco can assess cash flow.
- Use the shortest repayment period you can afford, since longer terms add interest even at a lower rate.
Winas Sacco contacts
Phone: 0709 506 000. Email: info@winassacco.com. Address: P.O. Box 696-60100, Embu. For another Sacco comparison, see our Unaitas Sacco guide.
Related: Wakulima Sacco Loans 2026: Dairy, Kahawa, Kilimo Bora and Development Loan Rates
Related: Yetu Sacco Loans 2026: Mapato, Biashara, Msingi, Kilimo and Asset Finance Explained
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