Universal Traders Sacco (formerly Masaku Traders Sacco)

We help members save and access affordable credit to grow their families and businesses.

Call us

Book a Consultation

Address

Kilungya St, Kitui

About Universal Traders Sacco

Universal Traders Sacco (formerly Masaku Traders Sacco) is a member-based savings and credit cooperative in the heart of Kitui town. We bring people together to pool savings and provide loans that support daily needs, business growth, and long-term goals.

Our approach is simple: listen to your needs, guide you through membership, and work with you to build a secure financial future. We are here to serve traders, workers, and families in Kitui and beyond with honesty and care.

Based in Kitui

Member-owned cooperative

Affordable loan options

Easy savings plans

Located in Kitui town

What we offer

Savings Accounts

Grow your money safely with flexible savings plans that fit your income and goals.

Personal Loans

Access quick loans for school fees, medical needs, or any personal emergency.

Business Loans

Get working capital to expand your shop, stock more goods, or invest in equipment.

Emergency Loans

Receive fast financial support when unexpected expenses arise, with manageable repayment terms.

Share Capital

Build your ownership in the Sacco by buying shares that earn dividends at year-end.

Financial Guidance

Talk to our team for advice on saving, borrowing wisely, and planning your finances.

Find us

Kilungya St, Kitui

Get Directions

Common questions

Visit our office on Kilungya Street with your national ID and a passport photo. We will guide you through the simple registration process.
You need your national ID, proof of income (like payslips or business records), and a completed loan application form. Our team will help you with the rest.
Loan processing time depends on the type and amount, but we aim to review applications promptly. Visit us for an estimate based on your situation.
Yes, you can maintain savings while repaying a loan. In fact, regular saving strengthens your borrowing power.
We are on Kilungya Street in Kitui town. Call us for directions or to ask any question before you visit.

Start your savings journey today

Visit us on Kilungya Street or call to learn more.

Call us