Finnlemm - Sacco: Paybill, Contacts & How to Join

Opening hours

Monday – Friday	8 am – 5 pm
Saturday	9 am – 1 pm
Sunday	Closed

Branches

Branch list not added yet. Add a branch you know.

How to join

Minimum monthly savingKSh 3,300

Bring:

Copy of National ID
Passport-size photo
Completed membership application form
Payment of registration fee

Apply online We send your application to the SACCO.

Forms & downloads

10 forms from Finnlemm -'s website. Each opens the SACCO's own file, so it's always their current version.

Joining & membership (1)

Finnlemm sacco membership formPDF

Loans & guarantors (1)

New loan application formPDF

Accounts & transfers (1)

Junior Account FormPDF

Cards & mobile banking (2)

Banking DetailsPDF Finnlemm mobile banking terms and conditionsPDF

Reports & by-laws (2)

Finnlem agm resolutions circular (2026)PDF Service Delivery (2026)PDF

Other forms (3)

Annual members education day special general meeting 1PDF Finn pesa formPDF Housing SchemePDF

Loans & savings

What you need to get a loan

Save consistently for three months before applying.
Attach certified copies of your payslips for the last three months.
Loans must be fully guaranteed; anything above your own shares and deposits needs guarantees from other members' shares or collateral such as title deeds.
Accepted security includes your deposits, a logbook, a title deed or guarantors.

From Finnlemm -'s website. Compare with other SACCOs

17 loans Work out repayments

Development Loan

3× deposits up to KSh 10,000,000 60 months 1% a month

General development loan of up to KES 10 million, which can also clear other loans. You need your three latest payslips, and it is secured by guarantors or approved collateral.

Premium Loan

4× deposits 84 months 1.17% a month

Longer-term loan for buying or developing land, property or equipment, or for paying off bank loans. Secured by guarantors or approved collateral.

Daraja Loan

4× deposits 36 months 1.5% a month

Personal loan for any purpose, limited by what you can repay. You need your three latest payslips and guarantors or title deeds.

Emergency Loan

4× deposits up to KSh 500,000 12 months 1% a month

For unforeseen costs such as medical bills, a death in the family or court fines, processed within about 24 working hours. Attach proof such as the medical bill or death certificate.

Education Loan

12 months 1% a month

School fees for yourself or your child, with no set maximum. Attach the fee structure; the SACCO pays the school directly.

Express Loan

up to KSh 300,000 6 months

Quick cash loan of up to KES 300,000, with a one-off 10% interest charged when you apply. You need your three latest payslips (or proof of payment if not paid through payroll) and may hold only one express loan at a time.

Show all 17 loans

Qaribu Loan

up to KSh 500,000 24 months 1% a month

For new members who have saved consistently for at least three months, up to KES 500,000. You need your three latest payslips or six months of certified bank statements, guarantors or collateral, and pay an extra 1% charge on the loan.

Home Loan

4× deposits up to KSh 20,000,000 120 months 1.25% a month

Loan to build or own a home, up to KES 20 million. Secured by a legal charge over the property and/or your savings, which must cover the loan, and you must show you can repay from your pay or business income.

Plot Loan

3× deposits 60 months 12% a year

For buying land, including plots not sold by the SACCO. Secured by guarantors or by the plot itself at 75% of its market value.

Asset Finance Loan

4× deposits 60 months 1.17% a month

Buy a motor vehicle or other approved business asset no more than 10 years old. Secured by guarantors or collateral.

Merchandise Loan

4× deposits 24 months 1% a month

Buy household goods, farm inputs, services or even shares; attach the supplier's pro-forma invoice and the SACCO pays the supplier. You must clear any earlier merchandise loan first.

Insurance Loan

12 months 1% a month

Pays motor, medical or domestic insurance premiums directly to the insurer. Attach your ID and the insurance invoice, plus the logbook for motor cover.

Dividend Discounting Loan

Up to 60-85% of your previous year's interest on deposits, offered in the fourth quarter with a one-off 10% interest taken upfront. You must have saved consistently for over a year with no arrears or default.

Ustawi Loan

up to KSh 150,000 12 months 3.5% a month

Mobile loan of KES 70,000 to 150,000 applied for through *346#; you need an active Finnpesa account. Secured by your free deposits or guarantors, who also need active Finnpesa accounts.

Booster Loan

120 months

Combines several loans, including loans in default, into one with smaller instalments over a longer period. Allowed once every 24 months, and you must repay it for six months before borrowing again.

Chama Loans

3× deposits 60 months 1% a month

For a chama's income-generating activities. You need six months of certified bank statements, a cash-flow projection and a members' resolution with personal guarantees, secured by guarantors or collateral.

Corporate Loans

4× deposits 60 months 1% a month

For a company's income-generating activities. You need bank statements, a cash-flow projection, a directors' resolution, three years of audited accounts and directors' personal guarantees, secured by guarantors or collateral.

From The SACCO's website, 27 October 2026. Rates and terms change: confirm with Finnlemm - before you apply.

Member benefits

We haven't recorded Finnlemm -'s risk fund, loan cover or welfare benefits yet. Know them? Tell us.

Latest from Finnlemm -

9 Jan 2025 Benefits and Considerations for Opening a Sacco Account in Kenya Saccos are crucial players in Kenya’s financial sector.

From Finnlemm -'s own website, checked daily. Each opens on the SACCO's site.

Need a guarantor in Finnlemm -?

Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.

Open the guarantor board

Shares for sale

KSh 30,000

35,000 stated · 25 Aug 2026

Finnlemm -: questions members ask

What is the Finnlemm - Paybill number?

The Finnlemm - M-Pesa Paybill number is 528400. Use National ID number followed by product code, e.g. 12345678DP (SC share capital, DP deposit, FD, HS, JA, SA; loan codes e.g. PRL, EL, FINN) as the account number.

How do I top up my Finnlemm - shares or deposits?

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 528400, then the account. Use National ID number followed by product code, e.g. 12345678DP (SC share capital, DP deposit, FD, HS, JA, SA; loan codes e.g. PRL, EL, FINN) as the account number. Keep the M-Pesa message as your receipt.

How do I check my Finnlemm - balance?

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 Finnlemm - branch.

Does Finnlemm - have mobile banking?

Yes: USSD *346#.

What is the Finnlemm - contact number?

Phone: +254 207602880, +254 733 208 122, WhatsApp: 254713129950 and Email: customer.care@finnlemm.com.

What are Finnlemm -'s opening hours?

Monday to Friday 8 am – 5 pm, Saturday 9 am – 1 pm, Sunday closed.

Where is Finnlemm -'s head office?

Finnlemm -'s head office is at Finnlemm House, 55 Gatundu Road, Kileleshwa, Nairobi, Nairobi County.

How do I join Finnlemm -?

You need: copy of National ID, passport-size photo, completed membership application form and payment of registration fee. Expect a minimum monthly saving of KSh 3,300. You can apply online on SaccoLink and we'll send your application to Finnlemm -.

What do I need to get a loan from Finnlemm -?

Save consistently for three months before applying. Attach certified copies of your payslips for the last three months. Loans must be fully guaranteed; anything above your own shares and deposits needs guarantees from other members' shares or collateral such as title deeds. Accepted security includes your deposits, a logbook, a title deed or guarantors. (Source: Finnlemm -'s website. Confirm with the SACCO before you apply.)

What loans does Finnlemm - offer?

17 loans: Development Loan, Premium Loan, Daraja Loan, Emergency Loan, Education Loan, Express Loan, Qaribu Loan, Home Loan, Plot Loan, Asset Finance Loan, Merchandise Loan, Insurance Loan, Dividend Discounting Loan, Ustawi Loan, Booster Loan, Chama Loans and Corporate Loans. Most let you borrow up to 4 times your deposits. (Source: The SACCO's website. Confirm current terms with the SACCO.)

How much can I borrow from Finnlemm -?

Most Finnlemm - loans let you borrow up to 4 times your deposits, and repayments must leave you at least a third of your salary (the 2/3 rule). SaccoLink's loan calculator works out the limit and the monthly repayment.

Where do I get the Finnlemm - membership form?

They're listed under Forms & downloads on this page, each opening the file on Finnlemm -'s own website: Finnlemm sacco membership form. You can also apply online through SaccoLink.

Where do I get a Finnlemm - loan form?

They're listed under Forms & downloads on this page, each opening the file on Finnlemm -'s own website: New loan application form.

How do I get a loan from Finnlemm -?

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

How do I leave Finnlemm - or withdraw my savings?

Give Finnlemm - 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.

Is Finnlemm - licensed by SASRA?

Yes. Finnlemm - is on SASRA's 2026 list of SACCOs authorised to take non-withdrawable deposits: members save deposits and share capital and borrow against them, but it doesn't run withdrawable (FOSA) accounts.

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