Saving & Credit Made Easy, More Affordable & More Personal
Jiunge Ujijenge
Since 1975, BAT NON-WDT Sacco has grown from serving BAT employees to becoming a trusted financial partner for contractors, retirees, and professionals across the region.
We’re on a mission to transform our members’ socio-economic status by offering smart savings, affordable loans, and competitive financial solutions—all managed with integrity, innovation, and professionalism.
Driven by member needs and guided by our values of Customer Focus, Reliability, and Teamwork, we’re here to help you achieve more with your money.
Your financial breakthrough is closer than you think.
Finance your property or business goals with up to 3x your savings, 72-month terms, 12.5% reducing interest, and a 1% insurance fee. Minimum loan: Kshs 1.5M.
Designed to help you fund personal ventures and investments. Borrow up to 3x your savings with flexible 60-month terms, a 14.5% reducing interest rate, and a loan limit of up to Kshs 5M.
Tailored to support members during unforeseen financial needs. Access up to 3x your savings with a 12-month repayment period and a 14.5% reducing interest rate.
Designed for new check-off members with low deposits. Borrow up to 3x your savings (max Kshs 1M) after 3 months of membership, with up to 36-month repayment, 12% annual reducing interest, and check-off repayment only.
Enjoy flexible, self-securing financing to acquire household and lifestyle assets without straining your cash flow. Get up to 36 months to repay at 15% p.a. on reducing balance.
Finance your property or business goals with up to 3x your savings, 72-month terms, 12.5% reducing interest, and a 1% insurance fee. Minimum loan: Kshs 1.5M.
We are member based, customer focused organization, and commit to provide and uphold
high quality service delivery to all our members. We undertake to serve you effectively,
efficiently, with courtesy, honesty, and integrity.
Read Our Customer Service Charter