Apply for a Loan

Share a few details and our team will review your application and get back to you.

How the Loan Process Works

1

Submit your details

Fill in the short form below with your contact information and basic loan request.

2

We review & contact you

Our credit team reviews your request and may call you for clarification or supporting documents.

3

Approval & disbursement

Once approved, funds are disbursed according to your preferred option and agreed repayment plan.

Who Can Apply?

  • ✔ Kenyan residents aged 18 years and above.
  • ✔ Individuals, employees, business owners, groups, and farmers.
  • ✔ Have a valid phone number we can reach you on.

Commonly requested documents

  • - National ID copy
  • - Recent payslip or business records (for higher limits)
  • - Guarantor or group details for group loans

Our team will confirm exactly what is needed after you submit this form.

Loan Calculator

Select the loan amount range you need, then enter your specific amount and duration.

Select the range that includes the amount you want to borrow

Fees & Loan Notes
  • The graduation levels are from one loan amount range to the next. New clients typically start with loans between Ksh. 3,000 – 10,000 before progressing to higher limits.
  • Registration fee for all new clients is Ksh. 200. Loan processing fees are Ksh. 450 for loans up to Ksh. 15,000 and 4% of the loan amount for amounts above Ksh. 15,000.
  • All loans include a risk insurance fee of Ksh. 50.
  • Dhahabu loan processing fees are 5% of the loan amount and the insurance fee is Ksh. 500.
  • Kilimo Product
    • Registration fee: Ksh. 300
    • Insurance: Ksh. 100
    • Processing fees:
      • 5,000 – 15,000: Ksh. 700
      • 16,000 – 20,000: Ksh. 1,000
      • 21,000 – 30,000: Ksh. 1,500
      • 31,000 – 50,000: Ksh. 1,900