Get an Uwezo Fund loan for a youth, women or PWD group
Uwezo Fund · sources read 30 Sep 2026
Uwezo Fund gives interest-free loans to registered groups of youth, women or persons with disabilities. Apply online at loans.uwezo.go.ke or hand in the application form at your constituency Uwezo office; a first loan is KSh 50,000 to 100,000.
- Fee
- We couldn't confirm a fee from the official page. Check it there before you pay.
- How long
- About one month after your group is vetted and trained
- Where
- Online at loans.uwezo.go.ke, or at your constituency Uwezo Fund office (NG-CDF or Sub-County office)
What you need
- Filled Uwezo Fund loan application form
- Copy of the group registration certificate
- Signed list of members with ID and phone numbers
- A guarantee form signed by each member, committing to repay
- 3 recent signed minutes of group meetings showing monthly contributions
- Bank statement for the group's account
- A proposed business plan
- Repeat loan only: discharge certificate for your first loan
Steps
- Apply online at loans.uwezo.go.ke, or download the form from uwezo.go.ke or pick one at your constituency office.
- Hand in the filled form with all attachments at the constituency office where you want the loan.
- Wait for the Constituency Uwezo Fund Management Committee to vet your group and tell you if you are approved.
- Repay monthly into your constituency's loan repayment account by bank deposit or paybill.
Watch out
- Uwezo loans carry no interest, but every member signs to guarantee repayment.
- A first (Wezesha) loan has a 6-month grace period, then you repay in 12 months.
- Repeat groups (Endeleza loan) can get 150% to 200% of their first loan, up to KSh 500,000, after fully repaying it.
Who can apply
- Groups of youth, women or persons with disabilities (PWDs), in their constituency
- Youth groups: at least 70% of members aged 18 to 35, and all leaders youth
- Women's groups: at least 70% women aged 18+, and all leaders women
- PWD groups: at least 70% PWDs, and all leaders PWDs
- The group should have 10 to 15 members
- Registered with Social Services, Cooperatives or the Registrar of Societies, with a valid certificate
- The group does table banking or a similar monthly contribution scheme
- The group has a bank account in its own name
- The group must be based and operating in the constituency it applies to
- First-time groups (Wezesha loan): KSh 50,000 to KSh 100,000
Official sources (4)
- Loan Products uwezo.go.ke · read 30 Sep 2026
- FAQs uwezo.go.ke · read 30 Sep 2026
- Uwezo Loan Application Form (PDF) uwezo.go.ke · read 30 Sep 2026
- Uwezo Loan Application loans.uwezo.go.ke · read 30 Sep 2026