Kingdom Life Sacco
2026 Product Portfolio
Empowering your future with tailored loan solutions
Transforming Lives, Unlocking Destinies — disciplined savings that open fair, affordable credit for every season of life.
Lending open · 1st August 2026
Kingdom Biashara Loan
Provides vital working capital to start or expand businesses — new branches or space, assets, and quick access to market opportunities. Repayment is capped at 20% of monthly turnover.
- Limit
- Kes 5,000,000
- Term
- Up to 24 months
- Rate
- 14% p.a.
What we offer
Savings and credit built for real life
Flexible deposit products and affordable loans for business, salary, education and emergencies — with clear limits, terms and rates.
Kes 5,000,000 · 12%
Kingdom Normal Loan
A versatile tool for long-term growth and major asset acquisition.
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Kes 300,000 · 12%
Kingdom Education Loan
Ensures continuous learning by removing the stress of lump-sum fee payments.
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Kes 500,000 · 12%
Kingdom Salary Loan
Immediate empowerment for employees of affiliated institutions.
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Kes 5,000,000 · 14%
Kingdom Biashara Loan
Working capital, expansion and business assets for members in business.
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Kes 200,000 · 14%
Kingdom Emergency Loan
A fast safety net for unforeseen circumstances.
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How to become a member
Download the email indemnity form together with the registration form, fill in both documents, scan them and email them to kingdomlifesacco@gmail.com.
- 01
Download the forms
Download the Member Application Form and the Email Indemnity Form from this website.
- 02
Fill them in
Complete both forms carefully with your details and attach the required documents.
- 03
Scan and email
Scan both completed forms and send them to kingdomlifesacco@gmail.com for processing.
Member financial solutions
Tailored loans for every season
Five products from the 2026 portfolio — built around business, salary, education, emergencies and long-term personal goals.
Kingdom Normal Loan
A versatile tool for long-term growth and major asset acquisition.
- Limit
- 5,000,000
- Term
- 36 months
- Rate
- 12%
Kingdom Education Loan
Ensures continuous learning by removing the stress of lump-sum fee payments.
- Limit
- 300,000
- Term
- 12 months
- Rate
- 12%
Kingdom Salary Loan
Immediate empowerment for employees of affiliated institutions.
- Limit
- 500,000
- Term
- 24 months
- Rate
- 12%
Kingdom Biashara Loan
Working capital, expansion and business assets for members in business.
- Limit
- 5,000,000
- Term
- 24 months
- Rate
- 14%
Kingdom Emergency Loan
A fast safety net for unforeseen circumstances.
- Limit
- 200,000
- Term
- 12 months
- Rate
- 14%
Compare all products
See limits, terms, rates and security side by side — then estimate your repayment.
Unlock your potential
Saving discipline is borrowing power
Accessing the product portfolio is rooted in one foundational principle: your saving discipline is your borrowing power.
- 01
Check your eligibility
Visit our offices for assistance and confirm you meet the saving regularity standard.
- 02
Start saving
If you have not started, initiate your savings plan today to unlock future access.
- 03
Continue saving
Grow your deposits to continuously expand your borrowing limits.
- 04
Register now
Become a member of KLS and unlock opportunities to save, borrow and prosper.
Why join
The major reasons members choose KLS
- ✓Your saving discipline is your borrowing power — access up to 3× deposits.
- ✓Affordable credit from 12% p.a. reducing balance (14% for Biashara and Emergency).
- ✓Borrow up to Kes 5,000,000 on Normal and Biashara products.
- ✓Emergency cover up to Kes 200,000 for hospital bills and urgent needs.
- ✓Self-guarantee options of up to 90% (or 70% on Emergency) of free deposits.
- ✓Five tailored products: Normal, Education, Salary, Biashara and Emergency.
- ✓Governed by by-laws, credit, investment, risk and strategic policies.
- ✓Founded on Christian kingdom principles — honesty, stewardship, integrity, excellence, fairness.
Ready to fulfill your dreams?
Your dreams are our mission. Join, speak with us, or download the forms you need to get started.
Become a Member
Start with Kes 1,000 entrance fee and take up your share capital.
Join now →Talk to Us on WhatsApp
Chat with the Sacco office on 0718 353535 for membership and loans.
Open WhatsApp →Get Registration Kit
Download the email indemnity form together with the registration form, fill in both documents, scan them and email them to kingdomlifesacco@gmail.com.
Download forms →Transforming Lives, Unlocking Destinies
Registered under the Co-operative Societies Act (Cap. 490)
Ready to Unlock Your Destiny?
Equipping members to achieve financial freedom through disciplined savings, fair lending, and shared success.