Thibiti loan is a mobile loan product which allows member to borrow through the phone.


  • Maximum limit is kshs 200,000/=.
  • Minimum limit is kshs 20,000/=.
  • Qualifying loan within self guarantee is up to 50% member's deposit.
  • Qualifying loan within guarantor is up to 100% member's deposit.
  • Interest rate is 2.5% monthly on straight line.
  • Maximum repayment period is 12months.
  • Can access 1 loan.
  • Full Sacco membership of at least 3 months.
  • To be register on M-sacco (Mobile banking platform).
Working Hours : Mon - Fri 8.30am to 4.30pm; Last Saturday of the month 9.00am to 12.30 pm. Closed on Weekends & Public Holidays