Co-operative Bank of Kenya Limited Gold Secured Loan Details

Rates available from as of 1st April 2021
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Co-operative Bank of Kenya Limited

Gold Unsecured Business Loan
Ksh100k - 15M
6 Months - 60 Months
Total Cost
16% annualized (year 1)
Business Permit Required
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Loan Cost

  • Interest: 13%
  • Processing Fee: 2.5%
  • Excise Duty: 20% of processing and application fees

Loan structure

  • Type: Secured
  • Interest structure: Flat Rate
  • Security needed: Mortgage chattels, Title deed

Loan  Details

  • Loan size: SME
  • Minimum tenure: 6 Months
  • Max tenure: 60 Months
  • Minimum amount: ksh100K
  • Max amount: ksh15M
  • Repayment Frequency: Monthly


  • Time in operation: 12 Months
  • Banking History: 6 months


  • Business License of the current year
  • Certified Bank Statements for 6 months
  • Business permits and licenses
  • Copy of KRA
  • National ID
  • T&C Link

Example Representative Pricing

  • Loan Amount: ksh100,000
  • Annual Interest Rate: 13%
  • Processing Fee:ksh2,500
  • Excise Duty:ksh500
  • Loan duration: 12 months
  • Estimated Monthly repayment: ksh9416.67
  • Estimated Total repayment amount: ksh113,00

This product is provided by Co-operative Bank of Kenya. Co-operative Bank of Kenya is a Commercial Bank licensed under the Banking Act Cap 488 of the Laws of Kenya and regulated by the Central Bank of Kenya.

Money254 Review


  • Available to any business with an active bank account
  • Long loan duration


  • Requires the business to be in operation for at least 12 months

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How to Apply Co-operative Bank Kenya Gold Secured MSME Term Loan, Structure, Repayment, Fees & Contacts

Co-operative Bank Kenya Gold Secured MSME Term Loan is the money you can borrow for your business for a certain period of time in order to help it expand or increase business supply capability.

Who is Eligible for Co-operative Bank Kenya Gold Secured MSME Term Loan?

Co-operative Bank Kenya Gold Secured MSME Term Loan Limits and Interest Rates

Other Fees

Co-operative Bank Kenya Gold Secured MSME Term Loan Interest Structure

How to Apply for Your First Co-operative Bank Kenya Gold Secured MSME Term Loan

How to Apply for Your First Co-operative Bank Kenya Gold Secured MSME Term Loan


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