Secured Loans

Asset-backed financing with competitive rates and flexible terms

From 1.17% per month (14% APR)

What is a Secured Loan?

A secured loan is a loan backed by collateral - an asset you own. This reduces risk for the lender, allowing us to offer you better rates and higher loan amounts.

Lower Interest Rates

Enjoy significantly lower interest rates compared to unsecured loans.

Higher Loan Amounts

Access larger loan amounts based on the value of your collateral.

Longer Repayment Terms

Flexible repayment periods up to 48 months to suit your cash flow.

Acceptable Collateral Types

Vehicles
Logbook required

Real Estate
Land and buildings

SACCO Shares
Dividend-yielding shares

Fixed Deposits
Bank fixed deposit receipts

Requirements

  • National ID / Passport
  • KRA PIN Certificate
  • Proof of ownership of collateral
  • Valuation report (for property/assets)
  • 3 months bank statements
  • Two contact persons

Loan Features

  • Loan Amount: Up to 80% of asset value
  • Repayment Period: 6 - 48 months
  • Interest Rate: 1.17% – 1.5% per month (14% – 18% APR)
  • Calculation Method: Reducing Balance
  • Flexible repayment options
  • Early repayment without penalty

Loan Calculator

Compare Flat Rate vs. Reducing Balance calculations

Reducing Balance (Recommended)
Flat Rate
Range: 1.17% – 1.5%

Monthly Payment: KES 0.00

Total Repayment: KES 0.00

Total Interest Paid: KES 0.00

Effective APR: 0%

Ready to Secure Your Loan?

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