Loans & rates

Clear terms, every shilling shown.

Every rate below is the full cost of the loan for its whole term — no monthly surprises, no deductions from what you receive.

First loan

Starter Loan

Stock top-ups, school shopping and small emergencies.

Example

Borrow KSh 3,000, repay KSh 3,600 in 3 instalments of KSh 1,200.

Apply

Growing traders who repay on time and need a bigger float.

Example

Borrow KSh 5,000, repay KSh 5,900 in 4 instalments of KSh 1,475.

Apply

For established traders

Bulk stock, equipment repairs and seasonal buying.

Example

Borrow KSh 15,000, repay KSh 17,400 in 6 instalments of KSh 2,900.

Apply

Equipment & assets

Motorbikes, machines and business equipment, secured by the asset.

Secured lending

The asset you buy secures the loan. Your officer prepares a monthly schedule for you before you commit.

Apply

Repayment calculator

Amount you need KSh 5,000 KSh 5,000KSh 12,000

Weekly instalment KSh 1,475 for 4 weeks

Estimate for illustration. A one-off KSh 500 registration fee applies to new members. Final terms are confirmed in your loan agreement.

Fees, in full

Charge	Amount	When
Registration	KSh 500	Once, when you join
Application fee — Starter Loan	KSh 500	Each application
Application fee — Flex & Biz Loans	KSh 200	Each application
Interest	As shown for each loan	Spread across your instalments
Late charge	Per your loan agreement	Only on an instalment more than 3 days late