Our Products & Services

Comprehensive financial solutions designed to help you save, borrow, and grow your wealth.

BOSA Savings

Build your shares and maximize your borrowing power with our Back Office savings account.

  • High dividends
  • Share capital growth
  • Loan security

FOSA Savings

Flexible savings account with daily interest and easy withdrawals for your everyday needs.

  • Daily interest accrual
  • ATM access
  • Mobile banking

Development Loans

Finance your dream home or property development with our competitive rates.

  • Up to 4X deposits
  • Flexible repayment
  • Low interest

Asset Finance

Acquire vehicles, equipment and other assets easily with quick approvals.

  • Quick approvals
  • Competitive rates
  • Up to 48 months

Education Loans

Invest in your children's future with school fees financing at all education levels.

  • All education levels
  • No collateral
  • Fast disbursement

Business Loans

Grow your business with our affordable credit facilities for working capital and expansion.

  • Working capital
  • Stock financing
  • Expansion loans

Ready to Start Your
Financial Journey?

Join Pesa Imara SACCO today and take the first step towards financial freedom. Open a savings account, access affordable loans, and be part of a community that grows together.

Become a Member Today Talk to an Advisor

Your Trusted Partner in Financial Growth

For over a decade, Pesa Imara SACCO has been empowering members to achieve their financial dreams through accessible savings and credit services.

Fully Regulated

Regulated by SASRA ensuring your savings are protected and managed professionally.

Competitive Dividends

Enjoy annual dividends of up to 15% on your share deposits, among the highest in the industry.

Quick Loan Processing

Get your loan approved and disbursed within 24-48 hours with minimal documentation.

Member Welfare

Comprehensive welfare programs including education support, funeral assistance, and more.

Community Focused

A member-owned cooperative where your voice matters and profits are shared.

Pesa Imara Sacco members in partnership handshake representing cooperative financial growth and teamwork in Nairobi Kenya

Growing Together,
Powered by Members

Our mission is to help members save more and access affordable loans, while managing funds responsibly and serving members well.

Registered and regulated by SASRA

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Active Members

24/7

Mobile Banking

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Assets Managed

Frequently Asked Questions

Find answers to common questions about our services, membership, and products.

Becoming a member is simple! Visit our nearest branch with your valid ID/Passport, KRA PIN, and a passport photo. Complete the membership form and make an initial deposit of Ksh. 1,000. You can also start the process online through our contact form.

FOSA (Front Office Service Activity) is your flexible savings account for daily transactions with ATM access. BOSA (Back Office Service Activity) is your share capital account where you build savings to earn dividends and increase your loan eligibility. Most members maintain both accounts.

Your loan limit depends on your BOSA savings. Generally, you can borrow up to 3-4 times your share deposits. For example, with Ksh. 100,000 in shares, you could qualify for a loan of up to Ksh. 400,000, subject to your repayment capacity.

We pride ourselves on quick loan processing. Standard loans are processed within 24-48 hours once all documentation is complete. Emergency loans can be processed same-day in urgent cases.

FOSA savings earn daily interest at competitive rates. BOSA shares earn annual dividends that have averaged 12-15% over the past years, making us one of the best performing SACCOs in the region.

Yes! We offer mobile banking services that allow you to check balances, transfer funds, and manage your account 24/7. ATM cards are also available for FOSA account holders.

We understand that circumstances change. Contact us immediately if you're facing difficulties. We can discuss restructuring options to help you manage your repayment. We're here to support you, not penalize you.

Yes! We are fully regulated by SASRA (Sacco Societies Regulatory Authority) and are members of KUSCCO (Kenya Union of Savings & Credit Cooperatives). Your deposits are protected, and we maintain strict financial controls and regular audits.

Can't find what you're looking for? Our team is ready to assist you.

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