Affordable loans, secure savings and modern digital banking for every member. And now Fariji Merchants, our Lipa kwa Sacco app: request payments, track your sales and pull statements, all from your phone.
Loans & Savings
Borrow up to 4× your savings with loans built around how you earn, and grow your money with an account for every goal. Competitive rates and fast approvals, processed right here in your community.
Build your home, expand your business or invest in productive assets with our flagship member loan.
Up to 18 monthsCover school fees from primary through university. Quick processing so no child misses school.
Within 24 hoursApproved and disbursed within hours for qualifying members. When life is urgent, Fariji is ready.
Up to 24 monthsFor dairy farmers. Secured against your milk delivery records — no guarantors needed.
12 to 48 monthsAgricultural finance for tea and coffee farmers. Seasonal repayment schedules that match harvest cycles.
InstantInstant 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.
Everyday savings with easy access. Contribute daily, weekly or monthly — whatever suits you.
For young membersStart your child's financial future early with a dedicated savings account built for young members.
Goal-basedSave towards a specific goal — land, school, business — on your own schedule and timeline.
Fixed termLock in your savings for a fixed term and earn higher interest than a regular account.
Save through M-PESA Paybill 519374, a Fariji agent or any branch.
Ways to Bank
Use the Fariji Cash app, dial *645#, pay in through M-PESA or visit an agent near you. And if you run a business, Fariji Merchants lets your customers pay you straight into your Sacco account.
Any phone, no internet needed. Check balances, transfer savings and get a mobile loan in minutes.
Dial nowDeposit, withdraw and transact at an authorised agent in your neighbourhood. No trips to town, no queues.
Agency bankingYour customers pay you straight into your Fariji savings account, and every sale shows up in the Fariji Merchants app.
Our Story
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.
Why members choose Fariji
Member-first pricing on every product. Your surplus comes back to you as annual dividends.
Emergency loans disbursed within hours. Mobile loans go straight to your phone once approved.
One member, one vote. Every shilling of surplus goes back to the community that built this institution.
A licensed deposit-taking SACCO regulated by SASRA. Your savings are protected under 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."
News & Updates
Announcement
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.
Repay any loan product in a single step directly from the mobile app. Download the latest version on Google Play.
The board's recommendation following the 2025 financial year has been published for member review before the AGM.
Three additional Fariji agent locations now bring Sacco services even closer to members across the county.
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 Cash 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.
Karibu Nyumbani
Talk to us whichever way suits you: WhatsApp, a call, a visit or a message. We are here Monday to Saturday to help you open an account, apply for a loan or answer any question.
Chat on WhatsApp+254 727 398 699
Hours may differ on public holidays.
See all our branchesWe reply within one business day.
