Welcome to Tovu Sacco

Achieve your dreams with goal based savings.

At Tovu SACCO, we are more than a financial institution; we’re your dedicated partners in realizing your dreams. With our goal-based savings plans, we tailor our tools, guidance, and support to help you reach your unique financial goals. Start saving with purpose and let us help turn your dreams into reality.

Become a Member

Our Mission

Empowering Dreams Through Goal-Based Savings

At Tovu SACCO, our mission is to empower individuals and communities to achieve their financial dreams through tailored goal-based savings plans. We are dedicated to providing personalized support, innovative financial solutions, and a collaborative environment to help our members reach their unique financial goals faster and more effectively.

Our Vision

A Future Where Every Dream is Within Reach

Our vision is to be the leading SACCO in fostering financial empowerment and goal achievement. We envision a future where every member, regardless of their background, has the tools, guidance, and support to turn their financial aspirations into reality. Through our commitment to goal-based savings, we aim to create a thriving community of financially empowered individuals driving positive change and prosperity.

What sets us apart

Central to our approach is goal-based savings, a powerful strategy that puts your dreams at the forefront of your financial journey. Instead of just stashing money away aimlessly, goal-based savings allows you to define clear objectives and create a roadmap to reach them. Whether you’re saving for a new home, your child’s education, starting a business, or anything in between, we’re here to help you every step of the way.

Join the community of dreamers

When you become a member of Tovu SACCO, you’re not just opening a savings account; you’re joining a community of like-minded individuals who are all working towards a brighter future. Share your progress, learn from others, and be inspired by success stories from members who have achieved their goals with Tovu SACCO’s support.

Our credit products

Kumi Kumi Loan

Introducing the revolutionary KUMI KUMI Loan from TOVU SACCO, a groundbreaking financial solution designed to empower micro-business owners instantly. Unlike traditional practices that require new members to wait 3-4 months to access credit products, the KUMI KUMI Loan offers instant financing for weekly working capital and consumer needs. With competitive interest rates and flexible repayment terms of up to 5 weeks, entrepreneurs can access financing of up to Ksh. 10,000.

Salary Advance Loan

Land Asset Financing

Okoa Member Loan

TOVU Care

Introducing TOVU CARE, our Last Expense Insurance product designed to provide financial assistance to TOVU SACCO members and their families during challenging times. With two premium options offering coverages of Ksh 50,000 and Ksh 100,000, respectively, this product ensures that members can give their loved ones a dignified send-off without facing undue financial strain. Enroll today and enjoy peace of mind knowing that TOVU SACCO is here to support you when you need it most.

How it works

When you join TOVU SACCO, you’ll work closely with our team to establish your savings goals. We’ll take the time to understand your aspirations, timeline, and risk tolerance to craft a personalized savings plan that fits your needs. Whether you’re starting with a small emergency fund or aiming for a major life milestone, we’ll tailor our services to help you succeed.

Goals you can save for

Start a Business

Buy a Car

INSTANT ACCESS

1000 BOB MEMBERSHIP

FLEXIBLE LOAN AMOUNTS

Support every step of the way

Achieving your goals isn’t just about saving money; it’s about having the right support system in place. That’s where Tovu Sacco shines.

Our dedicated team of financial experts is here to provide guidance, answer questions, and offer encouragement whenever you need it. From setting realistic goals to celebrating your achievements, we’re committed to your success.

Buy Land

Save for Education

1K

Members
supported

5M+

Loans
disbursed

10

Presence in Major
towns across Kenya

2

Years of
service

Start your journey today

Ready to take control of your financial future and start pursuing your dreams? Join Tovu Sacco today and let us help you turn your aspirations into achievements. Together, we’ll make your dreams a reality.

Sign up today

Unlock more with Tovu SACCO!

Our members can access up to 5x their savings, turning small steps into giant leaps towards their financial goals. Join us today and see how far your savings can take you!

Joys of getting money when you didn’t expect it

Listen to stories from some of our clients, and you’ll be surprised how much they relate!

Tree planting exercise in Iveri Forest Machakos

On Monday 18th December 2023, TOVU held a tree-planting exercise at Machakos County’s Iveti Forest.

New opportunities with our Meru and Kisii branches

We are committed to grow sustainably, innovate the finance sector and serve best all Kenyans.

Our financial earning report – 2023

The results of the Sacco for the year ending Dec 2023.

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