A Sacco Built Around Your Savings
Trintus Sacco turns consistent saving into fast, fairly priced loans for business, education, assets, and life’s emergencies. Every loan is fully secured by your savings, a title deed, or a logbook.
Why members choose Trintus
A cooperative built on prudent lending and putting savings to work, so growth stays with the people who create it.
Fast turnaround
Most loans are processed within 7 working days, and emergencies within 24 hours.
Fully secured lending
Every loan is backed by your savings, a title deed, or a logbook, keeping rates fair for all members.
Savings that work for you
The more consistently you save, the more you can borrow, and the more you earn in dividends.
Member-owned, member-run
As a cooperative, profits are returned to members as dividends, not paid out to outside shareholders.
How your savings work
Every loan at Trintus is sized against what you've saved. The more consistently you save, the more borrowing power and dividends you build.
Open an account
Join as a member and start your Ordinary Savings account with your first deposit.
Save consistently
Build your savings balance through payroll deduction, M-Pesa, or bank standing order.
Borrow against it
Your savings balance determines your loan limit, for example, up to 3x for a Business Loan.
Repay and grow
Repay on schedule, keep saving, and your borrowing power grows with every deposit.
Loan products for every stage of life
Six fully secured facilities, each sized against your savings and turned around in days, not weeks.
Business Loan
Grow your business with a fast, savings-backed loan sized to what you've already saved.
- Amount
- Up to 3x your savings
- Interest
- 1.25% per month
Development Loan
A longer-term facility for building, renovating, or land development projects.
- Amount
- Up to 3x your savings
- Interest
- 1% per month
Asset Finance
Finance for vehicles, machinery, and other productive assets, repaid over a year and a half.
- Amount
- Based on asset value and savings
- Interest
- 1.5% per month
Emergency Loan
Quick relief for urgent, unplanned needs — approved and disbursed the same day.
- Amount
- Up to 75% of your savings
- Interest
- 3% per month
Education Loan
Keep tuition and school fees paid on time for yourself, your children, or your dependents.
- Amount
- Up to 2x your savings
- Interest
- 3% per month
Logbook Loan
Unlock cash against a vehicle you already own, while you keep driving it.
- Amount
- Up to 60% of the vehicle's value
- Interest
- 3% per month
Members, in their own words
A few of the stories behind our loan and savings products.
“I took a Business Loan to restock my shop before the December rush. The money was in my account within a week and the process was straightforward.”
Grace M.
Business Loan member
“The Emergency Loan came through in less than a day when my father was hospitalised. I didn't expect it to be that fast.”
Peter K.
Emergency Loan member
“I've been saving for four years now. Watching my dividend grow every AGM, on top of what I can now borrow, has changed how I plan my finances.”
Naomi W.
Sacco member since 2022
Ready to start saving smarter?
Join thousands of members already building their future with Trintus Sacco.