Despite increase in loan up-take by members of various SACCOs in Nyeri town, the same has not been reflected growth of business in the town. Many including the current president of Kenya in year 2016 have questioned the level with which some residents are taking loans and diverting it to the drinking dens. The theories guiding this study are social theory, group formation theory and growth of wealth theory. The overall objective of the study was to determine the effects of financial services on member investments. The specific objective was assess the extent to which loan services affects members' investment in Nyeri Town sub-county. Descriptive design was used. The study adopted stratified,
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