Joining takes minutes. The benefits last a lifetime
Apply online, get verified by our team and start building savings, share capital and borrowing power from your first month.
Have these ready
- National ID or passport — the number and a clear copy.
- KRA PIN — recommended, and required for some loans.
- A Kenyan mobile number and email address — for your login, alerts and M-Pesa.
- A recent passport-size photo — can be uploaded later.
- Next of kin details — name, relationship and phone number.
- Employment or business details — employer, occupation and approximate income.
Apply online
Complete the membership form and choose a strong password for your portal account.
Verification
Our team checks your details and may call you to confirm. You can track your status by signing in.
Approval & member number
Once approved, you receive your member number by SMS and can use the full portal.
Pay your registration fee & start saving
Pay via M-Pesa using your member number as the account, then set up monthly savings.
What you get as a member
Dividends & interest
Share in the SACCO’s surplus through dividends on share capital and interest on deposits, as approved at the AGM.
Affordable credit
Loans for emergencies, school fees, development and business, priced for members rather than for profit.
Welfare support
A benevolent fund that stands with members and their families during bereavement and emergencies.
A voice and a vote
Attend general meetings, elect leaders and shape the policies of a SACCO you own.
Answers before you apply
Who is eligible to join?
Membership is open to individuals who meet the common bond and qualifications set out in the KISE SACCO by-laws. If you are unsure whether you qualify, contact us before applying and we will guide you.
How long does approval take?
Most applications are reviewed within a few working days. We will contact you if anything is missing, and you will receive an SMS once your membership is approved.
What is the difference between shares and deposits?
Share capital is your ownership stake and earns dividends. Deposits are savings that earn interest and determine how much you can borrow. Both are important — shares make you an owner; deposits build your borrowing power.
When can I take my first loan?
Each loan product has a minimum membership period, shown on the products page, alongside your deposits and guarantor requirements. Emergency products usually have the shortest waiting period.
How do I make contributions?
Pay through M-Pesa from the member portal, use the SACCO paybill with your member number as the account, arrange a payroll check-off where available, or visit the office.
Can I have a joint or group account?
Membership is individual. Speak to our team about options for chamas, groups and junior savers.
What happens if I leave?
Give written notice as required by the by-laws. Once any loans and guarantees you are part of are settled, your deposits are refunded. Share capital is handled as the by-laws provide.
How is my personal information used?
Only to run your membership, meet legal and regulatory obligations and keep your account secure. Read our privacy notice for the details.