01 / Member loan
Your savings, working harder for you.
Borrow up to 90% of your savings after three consecutive months of saving. Member loans usually run for one month.
◈ 20% interest · 5% processing fee
A better way to build together
Save with purpose.
Grow with people.
The Golden Club is a structured savings and lending group that empowers members to grow financially through disciplined saving, accessible loans, and collective support.
KES 2,000Monthly saving
90%Of savings available
A circle that moves together
WestlandsNairobi, Kenya
KES 1,000One-time joining fee
3 monthsSaving before qualification
MutualProgress is shared
More than a money circle
There is strength in a well-kept promise.
The Golden Club was built on a simple idea: when people save consistently, speak plainly, and stand behind one another, small contributions become meaningful momentum.
Our members bring different ambitions to the table. The culture we share is steady, transparent and human — with clear rules, responsible borrowing and room to grow.
We created a system where members can consistently save, access loans, and grow financially together. Through unity and accountability, we are building a strong foundation for long-term financial success.
“Your future does not have to be carried alone.”
Our north star
Long-term progress over quick wins.
Capital with context
When the moment comes, borrow responsibly.
Every product is anchored in the same promise: clear terms, fair expectations and a group that wants you to succeed.
02 / External loan
A practical bridge when you need it.
For External members whose need sits outside their savings limit, with a considered maximum of KES 20,000.
◈ 25% interest · 6% processing fee
03 / Savings culture
Consistency is your first asset.
Save KES 2,000 every month. It is the habit that strengthens your options and the club around you.
◈ Built on mutual support
The member journey
Simple rules. Serious care.
We make the process easy to understand before you make a commitment.
01
Join the circle
Apply with your details and pay the KES 1,000 joining fee.
02
Build the habit
Contribute KES 2,000 each month and attend to the culture of saving.
03
Qualify with time
After three consecutive months of saving, you can apply for a loan.
04
Move forward
Use capital carefully, honour the terms and keep growing together.
Keep your standing strong
Payments without guesswork.
Use either of the club’s official channels. Always include your name or member reference where possible.
Paybill
522533Account number
8089899
Account number
1351970208The Golden Club · KCB
1351970208
Keep your payment confirmation for the club’s records.
The rules that protect the circle
Clear principles. Shared accountability.
The constitution keeps expectations visible, decisions fair and the group aligned as it grows.
Download full constitutionMembership & contributions +
New members pay a non-refundable joining fee of KES 1,000. Monthly contribution is KES 2,000, and members must save for three consecutive months before qualifying for loans.
Loans & repayment +
Members may borrow up to 90% of their savings. Member loans attract 20% interest and a 5% processing fee, with a typical repayment period of one month.
Non-members (external borrowers) can also access loans, which attract 25% interest and a 6% processing fee, subject to approval and set limits
Leadership & records +
The group is managed by an elected Chairperson, Secretary and Treasurer. Records include attendance, minutes, cashbook, loan register and contribution records.
Profits & exit +
Profits are shared annually based on contribution ratio. Members exiting the group give 30 days’ written notice and clear outstanding loans before savings are refunded.
People make the progress
A group built around showing up.
Small actions become a stronger future when they are repeated together.
Start with a conversation
Join the club
Tell us a little about yourself and the team will follow up with the next steps.
Capital for the next step
Apply for a loan
Share the basics and we will help you understand the right option.
A good first step