Fariji DT Sacco
Together We Prosper.
Empowering members with affordable loans, secure savings & modern digital banking solutions. Together We Save, Together We Prosper.
Loan Products
Financing for every
season of life.
Tailored loan products from emergency funds to farm development. Competitive rates, fast approvals, processed right here in your community. You can borrow up to 4× your savings.
Development Loan
Build your home, expand your business or invest in productive assets with our flagship member loan.
Up to 18 monthsSchool Fees Loan
Cover school fees from primary through university. Quick processing so no child misses school.
Within 24 hoursEmergency Loan
Approved and disbursed within hours for qualifying members. When life is urgent, Fariji is ready.
Up to 24 monthsMilk Loan
For dairy farmers. Secured against your milk delivery records — no guarantors needed.
12 to 48 monthsTea & Coffee Loan
Agricultural finance for tea and coffee farmers. Seasonal repayment schedules that match harvest cycles.
InstantMobile Loan
Instant micro-loan via your phone using USSD *645#. No paperwork, no waiting — apply in minutes.
Interest rates and repayment terms confirmed at your nearest branch. Processing: 0–14 working days.
Our Story
Empowering members,
enriching lives.
Founded in 1989 and licensed by SASRA, Fariji DT Sacco has served Members for over 35 years. We are guided by trust, transparency, and accountability — and every surplus returns to our members as dividends. One member, one vote.
Save With Fariji
Five ways to grow
your money.
Everyday savings with easy access. Regular contributions daily, weekly, or monthly.
Junior AccountStart your child's financial future early with a dedicated savings account built for young members.
Target AccountSave towards a specific goal — land, school, business — on your own schedule and timeline.
Fixed DepositLock in your savings for a fixed term and earn higher interest returns than a regular account.
Lipa kwa SaccoA free paybill that lets your business collect customer payments directly into your Fariji savings account.
Digital Banking
Your branch, in your pocket.
The Fariji Sacco app, USSD *645# and M-PESA Paybill 519374 keep deposits, payments and loan services close wherever you are.
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Free account deposits
Deposit to your Fariji account for FREE using M-PESA Paybill 519374. Account deposits are free regardless of amount.
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Lipa Kwa Sacco
A FREE paybill option that lets businesses allow their customers to pay directly into their Sacco savings account — no charges to register or to pay.
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Loans in-app
Apply for mobile loans without leaving your phone.
Pay & Save
Pay into
your account.
Fariji has two distinct payment channels. Lipa kwa Sacco is a free paybill option for businesses to collect customer payments directly into their savings account. M-PESA Paybill is the Safaricom channel for personal contributions. Both are free of charge.
Lipa kwa Sacco
A dedicated paybill designed for businesses — let your customers pay you directly into your Fariji savings account. Free to register, with no charges during payment.
M-PESA Paybill
Send money directly from your M-PESA wallet straight to your Fariji account in seconds. No charges.
- Open M-PESA, select Lipa na M-PESA, then Pay Bill
- Business number: 519374
- Account number: your National ID number
- Enter amount and confirm with your M-PESA PIN
Why Choose Fariji
Owned by members.
Run for members.
Competitive loan rates
Member-first pricing on every product. Your surplus comes back to you as annual dividends.
Fast processing
Emergency loans disbursed within hours. Mobile loans go straight to your phone the moment they are approved.
Banking at your fingertips
Mobile app, USSD *645# and agency banking put Fariji in your pocket: balances, transfers, repayments, wherever you are.
Agents near you
Deposit and withdraw at Fariji agents right in your neighbourhood. No trips to town, no queues, no waiting.
Democratically governed
One member, one vote. Every shilling of surplus goes back to the community that built this institution.
Safe & regulated
A licensed deposit-taking SACCO regulated by SASRA. Your savings are fully protected by Kenyan law.
"The milk loan changed how I run my dairy. I get my advance against deliveries, and repayment follows my milk cheque. No stress, no chasing. Fariji really understands how we work."
Membership is open to all individuals aged 18 and above who meet our registration requirements. To join, you only need your national ID and a registration fee. Visit any of our 10 branches to get started.
Members make regular contributions — daily, weekly, or monthly — based on their preference. Payments can be made via M-PESA Paybill 519374, branch deposits, Fariji agents, or standing orders from your bank.
We offer development loans, emergency loans, school fees loans, milk loans, tea & coffee agricultural loans, and mobile instant loans. Loan terms vary depending on the product and your savings history.
You can borrow up to Four times (4×) your savings, subject to guarantors or collateral. Members with a strong credit history and consistent savings may qualify for up to four times their savings.
Most loans are processed within 0 to 14 working days after submission of all required documents and meeting all eligibility criteria. Emergency loans are disbursed within hours for qualifying members.
Access your account anytime via USSD *645#, the Fariji Mobile App on Google Play, the online Member Portal, SMS alerts, or by visiting any of our branches or authorised agents.
If a member defaults, guarantors or pledged collateral may be used to recover the outstanding loan. We strongly encourage members to reach out early to discuss loan restructuring — don't stay silent, we are here to support you.
News & Updates
What's happening
at Fariji.
Announcement
Agency Banking now introduced
Access Fariji DT Sacco services closer to you through our new agency banking network. Deposit, withdraw and transact at any authorised agent outlet without visiting a branch.
Mobile app gets faster loan repayments
Repay any loan product in a single step directly from the mobile app. Download the latest version on Google Play.
Dividends and interest on deposits announced
The board's recommendation following the 2025 financial year has been published for member review before the AGM.
New agency banking locations open across Kiambu
Three additional Fariji agent locations now bring Sacco services even closer to members across the county.
Download Centre
Forms & documents,
ready to go.
Karibu Nyumbani
Come home
to Fariji.
Visit any of our branches, call us, or send us a WhatsApp. We are here Monday to Saturday, ready to help you open an account, apply for a loan, or answer any question.
WhatsApp Us