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Join Redian Sacco

Start your financial
freedom journey.

Become a Redian Sacco member today. Savings, loans, dividends — all digital, all in under 10 minutes.

◆Up to 14% Annual Dividend ◆Loans Approved in 24 Hours ◆100% Digital Application ◆SASRA Licensed & Regulated ◆M-Pesa Integration ◆Borrow up to 3x Your Savings ◆Life Insurance Coverage ◆18 Branches Nationwide ◆Up to 14% Annual Dividend ◆Loans Approved in 24 Hours ◆100% Digital Application ◆SASRA Licensed & Regulated ◆M-Pesa Integration ◆Borrow up to 3x Your Savings ◆Life Insurance Coverage ◆18 Branches Nationwide

Why join Redian Sacco?

Helping Kenyans build financial security since 2003. Our fully digital platform makes joining easier — and smarter — than ever.

  • Borrow up to 3× your savings, disbursed within 24 hours via M-Pesa
  • Earn an annual dividend of up to 14% on your deposits
  • Real-time monitoring via your member dashboard
  • Life insurance coverage linked to your savings balance
  • Access to 18 branches and M-Pesa, mobile & internet banking
  • Zero paperwork — entire journey 100% digital
Registration Fee

A one-time fee of KSh 2,000 applies, paid via M-Pesa STK push after your application is reviewed.

Documents Required

National ID or Passport · KRA PIN Certificate · Passport-size photo · KSh 2,000 registration fee

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Terms & Conditions

1. Membership

By joining Redian Sacco, you agree to uphold the cooperative's bylaws and contribute regularly. Membership is open to Kenyan citizens and residents aged 18 and above.

2. Contributions

A minimum monthly contribution of KSh 500 is required. Failure to contribute for three consecutive months may result in account suspension pending review.

3. Loans

Loan eligibility is based on your savings balance and creditworthiness. Loans are subject to approval by the credit committee. You may borrow up to 3× your savings balance.

4. Dividends

Dividends are declared annually at the AGM based on the Sacco's financial performance. The indicative rate is 14% p.a. Past rates do not guarantee future returns.

5. Data Privacy

Your personal data is processed in accordance with Kenya's Data Protection Act 2019. We will never sell your data to third parties without consent except where required by law.

6. Account Closure

You may withdraw membership by giving 90 days written notice. All outstanding loans must be settled before membership is terminated.

Required Documents

Upload the following documents. You can photograph them with your phone.

National ID / Passport
Front and back of your Kenya National ID, or passport bio-data page
KRA PIN Certificate
Your current Kenya Revenue Authority PIN certificate (PDF or image)

Click or drag to upload

JPG, PNG or PDF · max 5MB

Click or drag to upload

JPG, PNG or PDF · max 5MB
Member Details
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Next of Kin
Review & Declaration

By submitting this form, I confirm that:

  • All information provided is true and accurate to the best of my knowledge.
  • I have read and agree to the Redian Sacco membership terms and bylaws.
  • I consent to KYC verification and credit checks as permitted by law.
  • I agree to pay the KSh 2,000 registration fee within 7 days of approval.
  • My data will be stored and processed in accordance with the Privacy Policy.

This serves as your electronic signature for the membership agreement.

What happens after submission?

Your application enters our member system instantly. You'll receive a WhatsApp confirmation within 5 minutes. Full approval takes 24–48 hours, after which you'll receive a digital membership agreement to sign.