HFC Limited Micro-Credit Loan Details

Rates available from as of 1st April 2021
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HFC Limited

Micro-Credit Loan
Ksh10k - 1M
1 Month - 12 Months
Total Cost
17.36% annualized (year 1)
Business Permit Required
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Loan Cost

  • Interest: 14%
  • Application Fee: 0
  • Processing Fee: 2.4%
  • Excise Duty: 20% of processing fee
  • Credit Insurance: 0.48%

Loan structure

  • Type: Secured
  • Interest structure: Reducing Balance
  • Collateral needed: Either; Households, Logbook, Stock hypothecation, Simple deposit over title deed, Guarantor(s)

Loan  Details

  • Loan size: Micro/SME
  • Minimum tenure: 1 Month
  • Max tenure: 12 Months
  • Minimum Amount: ksh10K
  • Max amount: ksh1M
  • Repayment Frequency: Monthly


  • Time in operation: 6 Months


  • National ID
  • KRA Pin
  • Passport photo
  • Business records
  • Registration certificate
  • Business license
  • 6 months bank statements if you are not banking with Them
  • T&C Link

Example Representative Pricing

  • Loan Amount: ksh100,000
  • Annual Interest Rate: 14%
  • Processing Fee: ksh2400
  • Excise Duty: ksh480
  • Credit insurance: ksh480
  • Loan duration: 12 months
  • Estimated Monthly repayment: ksh8,978.71
  • Estimated Total repayment amount: ksh107,744.54

This product is provided by HF Group Kenya. HF Group Kenya is an integrated property and services provider licensed under the Banking Act Cap 488 of the Laws of Kenya and regulated by the Central Bank of Kenya.

Money254 Review


  • Flexible security options
  • Formal registration not required.


  • Requires security

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How to Apply HFC Limited Micro Credit Loan, Structure, Repayment, Fees & Contacts

HFC Limited Micro Credit Loans are given to people running micro-businesses, who need working capital to boost their business.

Who is Eligible for HFC Limited Micro Credit Loan?

HFC Limited Micro Credit Loan Security/Collateral

HFC Limited Micro Credit Loan limits and Interest rates

Other Fees

HFC Limited Micro Credit Loan Interest Structure

HFC Limited Micro Credit Loan Interest Structure

How to Make HFC Limited Micro Credit Loan Repayments


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