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The objective of SACCO'S is members' empowerment through savings mobilization disbursement of credit and ensuring long -term sustainability through prudent financial practices. A national survey conducted by Central bank of Kenya on financial access revealed that access to Sacco's credit accessibility has reduced despite the increase in credit demand. This continuous decline in access to credit shows that Sacco's and they seek for credit from other financial institutions.The specific objectives that guided the study were to determine whether products range is a determinant of credit accessibility, to establish if collateral requirement is determinant of credit accessibility to determine if product characteristics is a determinant of credit accessibility and to establish if lending procedures is a determinant of credit accessibility in Sacco's. The study adopted a descriptive research design which is concerned with describing the characteristics of a particular individual and census method was used. Data was collected through questionnaire. Descriptive statistics was used to analyze data. The study also used multiple regression analysis to test the hypothesis and the p-value from test statistic was used to determine whether any differences could be attributed to the ordinary random factors or not. This was done using SPSS Version 22 where data collected was subjected to logistic regression.The study found that credit accessibility in Sacco's is influenced by product range, collateral requirements, product characteristics and lending procedures. The findings were both supported by the frequencies of the responses from the respondents which were presented in the form of percentages. On the credit accessibility parameters,product range and product characteristics had the highest positive influence on Sacco's credit accessibility while lending procedures and collateral requirements had the last influence. The findings revealed that the number of loan applications received in Sacco's from Imenti North Sub County has dropped from significantly. This has affected the number of successful loan applications. The results of the analysis of the moderating variable revealed that government policies had a higher moderating influence on the parameters and credit accessibility. Its was recommended that Sacco's loan products should be reconfigured to ensure that they seize available credit lending opportunities and ensure they are proactive in the market place with new products which are tailor made to suit their client's needs. Based on the findings and conclusions of this study, certain issues came into light that warrant a further research. From the findings, it is clear that there are several sources of credit referencing and a further research is necessary to evaluate its implications on credit accessibility in the Sacco's sector in Kenya.