Tailored solutions for employed Kenyans.
For teachers and staff of APBET schools — save through checkoff, access salary advances, school fees (Educash) loans and borrow up to 3× your savings.
A Sacco built by schools, for schools.
UASA Sacco was created by the Unified APBET Schools Association-Kenya (UASA-KENYA) — the association of low-cost private school proprietors, commonly known as APBET schools, across the Republic of Kenya. We exist to serve the entire school ecosystem.
"Hello! Hello! Hapa naja: Mwandani wako kwa mafanikio!"
School Directors
School Builder loans for classrooms, buses and expansion.
Teachers & Staff
Salary advances, personal and emergency loans.
Parents & Learners
Educash school fees loans keep children in class.
The Whole Ecosystem
Dividends, savings and loans up to 3× your deposits.
Why salaried professionals choose UASA.
- Up to 3× your deposits in development loans
- Same-day emergency loan processing
- Convenient checkoff salary deductions
- Competitive 10–13% interest rates
- Free Visa ATM card via Co-op Bank
- Dividends on share capital (12–15%)
See what you qualify for.
Based on 3× projected deposits after 12 months of saving 66% of salary capacity. Actual amounts depend on tenure and deposits.
Save and repay — straight from your payslip.
Once your employer signs the checkoff agreement, your monthly contributions and loan repayments are deducted automatically before salary hits your account. No missed payments, no manual transfers.
- 1Fill the membership form
- 2Submit employer letter & checkoff form
- 3HR begins monthly deductions
- 4Apply for loan after 3 months saving