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Loan Products

Together We Grow

Salary Loan (unsecured)
  • Available to salaried employees.
  • Loans are up to Kshs 500,000/=
  • Attractive Interest rate on reducing
  • 2/3 rule must apply.
  • No Security.
Salary Loan (Secured)
  • Available to salaried employees,
  • Loans are up to Kshs 10,000,000/=
  • Maximum repayment period of up to 84 months
  • 2/3 rule must apply
  • Interest Rate on reducing balance.
Salary Loan (Advance)
  • Available to salaried employees and pensioners
  • Loan are up to Kshs 300,000/=
Agri-Loan (Kilimo Unsecured)
  • Available to Agri based businesses
  • Loans are up to Kshs 500,000/=
  • Attractive Interest rate is at a reducing balance
  • 2/3 rule must apply
  • No security
Agri-Loan (Kilimo Secured)
  • Available to Agri-based business operations
  • Loans are up to Kshs 50,000,000/=
  • Maximum repayment period of up to 84 months
  • Attractive Interest rate is at a reducing balance
  • 2/3 rule must apply
Agri-Loan (Mifugo)
  • Available to all farmers based in livestock raring areas
  • Loans available after months of operations
  • Loans are up to Kshs 500,000/=
  • Attractive Interest rate.
Agri-Loan (Kilimo advance)
  • Available to dairy and tea farmers
  • Loans are up to Kshs 300,000/=
Agri-Loan (Tea Bonus Advance)
  • Available to tea farmers
  • Attractive Interest rate.
SME Loan (Unsecured)
  • Available to Business enterprises
  • Loan up to Kshs 500,000/=
  • No security
  • Attractive Interest rate is on reducing balance
SME Loan (Secured)
  • Available to business enterprises
  • Maximum repayment period of up to 84 months
  • Attractive Interest rate is on a reducing balance
  • Loans up to a maximum of 50Million.
Jijenge Loan
  • Available to all Jijenge account holders
  • Amounts are 4 to 5 times the balance of the Jijenge savings
  • Maximum repayment period is up to 84 months
  • Security: guarantors, title deed and logbook
Society Development Loan
  • Available to cooperative societies
  • Loans are up to Kshs 50,000,000/=
  • Interest rate is at a reducing balance
  • 2/3 rule must apply
Asset Finance Loan
  • Available to all members
  • Loan is from 80% of the total purchase
  • Interest rate is at a reducing
  • The vehicle must be comprehensively insured under MAPA insurance
  • 2/3 rule must apply
  • Security: Title deed, logbook
Insurance Premium Financing
  • Available to all our customers
  • Loan for insurance premium payment
  • Maximum period is up to 10 months.
Trade Financing
  • Available to all our customers.
  • Invoice discounting is also incorporated.
  • Amounts above Kshs 500,000/- must be secured.
Overdraft Loan
  • Available to all business enterprises
  • Security: Title deed, logbook
Group Loan (Micro Finance Loan)
  • Available to all registered organized group members
  • Loans available after 6 weeks of operations
  • Loans are 4 times the savings balance
  • Interest Rate on reducing balance.
Group Loan (Chama Loan)
  • Available to organized registered groups for asset acquisition
  • Security: Title deed, logbook
  • Interest Rate on reducing balance.