Lainisha Sacco Society Ltd

The Lainisha M-Pesa Paybill number is 178784. Ask the SACCO what to enter as the account number (usually your member number).

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 178784, then the account. Ask the SACCO what to enter as the account number (usually your member number). Keep the M-Pesa message as your receipt.

You can dial *346# and log in with your member details to see your deposits, shares and loan balance. If you haven't registered for mobile banking, register at any Lainisha branch.

Yes: USSD *346#.

Phone: +254 705 492 352 and Email: info@lainishasacco.co.ke.

Lainisha's head office is at Lainisha Sacco Building, Mwea Town, Kirinyaga, Kirinyaga County.

You need: original National ID card (open an account to register). You can apply online on SaccoLink and we'll send your application to Lainisha.

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 Lainisha, so ask a branch for the loan form and current terms. If you need a guarantor from Lainisha, its SaccoLink guarantor board lets members guarantee each other.

Give Lainisha 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. Lainisha 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.