Since 1996 • Member-Owned

Save. Borrow. Grow.

Affordable credit and disciplined savings for members across Kenya.

View Products Join the SACCO

Loans up to 3x Deposits

Flexible, Fair, Transparent

Repayment periods up to 48 months on development loans.

Explore Loans FAQs

USSD Mobile Loan

Quick Access via 377555#

Borrow KSh 2,000–30,000 for 1 month at 7% p.m.

Mobile Loan Details Talk to Us

Members

Million in Loans

Years of Service

Partners

Who We Are

Supply Chain SACCO

Incorporated in 1996, we draw membership from DHL Supply Chain staff, DHL Kenya retirees, contract staff on site, and now the wider public (18+), including business people and salaried persons.

Vision

To be the first choice preferred financial services provider for members and expand extensively.

Mission

Facilitate savings, furnish affordable credit, and amplify returns ethically, effectively, and transparently.

Values

Democratic governance
Inclusiveness
Autonomy & development
Accountability
Transparency
Confidentiality
Fairness & justice
Mutual respect
Integrity

Membership Contact Us

Products & Services

Disciplined savings and affordable credit tailored to your needs.

Regular Savings

Minimum monthly contribution: KSh 3,000.

Build a strong savings culture
Earn annual dividends/rebates
Deposits determine loan eligibility (and act as security)

Share Capital

Non-withdrawable ownership contribution: KSh 3,000.

Entrance fee: KSh 1,000.

Development Loan

Repayable in up to 48 months
Interest: 12% p.a (reducing balance)
Borrow up to 3x your deposits
Eligibility: min 6 months saving

Emergency Loan

Repayable in 12 months
Interest: 12% p.a (reducing)
Max amount: KSh 50,000
Attach relevant proof (invoice/permit etc.)

Education Loan

Repayable within the calendar year
Interest: 12% p.a (reducing)
Provide fee structure & recent payslip

Special Loans (Motorbike/Laptop)

Repayable in 18 months
Interest: 14% p.a (reducing)
Max amount: KSh 200,000
Provide quotation & recent payslip

Mobile Loan (USSD)

Dial *377*555#
1 month tenure • 7% p.m
Min KSh 2,000 – Max KSh 30,000

Member Services

Self-service portal & e-statements
Loan application & top-up
Guarantor management
Notifications & announcements

Membership

Join a supportive community and enjoy fair, affordable financial services.

Who Can Join

DHL Supply Chain staff & retirees
Contract staff on site
Open to public (18+), salaried & business persons

How to Join

Fill membership form + copy of ID
Entrance fee: KSh 1,000
Minimum deposit: KSh 3,000
Share capital: KSh 3,000

Benefits

Affordable credit (transparent terms)
Annual dividends & rebates
Financial literacy & advice
Community & networking

Start Application

Frequently Asked Questions

Get quick answers to common queries.

Difference between Share Capital and Deposits?

Share Capital: Non-refundable ownership contribution; part of SACCO equity.

Deposits: Regular savings that determine loan eligibility and act as security; withdrawable only upon exit.

When am I eligible for a loan?

After saving for a minimum of 6 months, meeting 2/3 net-pay rule, and with qualifying guarantors.

What do I need when applying for a loan?

Completed loan form, current payslips (or 6 months Mpesa/bank statements), ID/Passport, and qualifying guarantors. Attach supporting documents where applicable.

Can I offset my loans from deposits and remain a member?

Partial withdrawals/offsets are not allowed. Deposits can only offset loans upon exit; any balance is payable immediately before withdrawal.

How do I find guarantors?

Attend SACCO events/meetings, build relationships with fellow members, and invite colleagues/friends to join.