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Most SACCOs ask for a copy of your national ID, KRA PIN and a passport photo, plus a registration fee. Confirm with Chai.
Apply online We send your application to the SACCO.Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.
Open the guarantor boardChai hasn't published a Paybill number that we could confirm on its official channels. Visit any Chai office to ask.
Ask Chai for a statement or about its mobile banking options. Visit any Chai office to ask.
Chai's head office is at Chai House, Koinange Street, Nairobi, Nairobi County.
Bring your national ID and KRA PIN; Chai will tell you anything else it needs. You can apply online on SaccoLink and we'll send your application to Chai.
Loans are for members. How long you must save first, how much you can borrow against your deposits, and how many guarantors you need are set by Chai, so ask a branch for the loan form and current terms. If you need a guarantor from Chai, its SaccoLink guarantor board lets members guarantee each other.
Give Chai written notice. Deposits are usually refunded after a notice period once your loans and any guarantees you have given are cleared. Share capital is normally not refunded, but you can sell it to another member, for example on SaccoLink.
Yes. Chai is on SASRA's list of SACCOs licensed to take deposits (FOSA) for 2026, so it can offer withdrawable savings accounts as well as loans.
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