Mwananchi Credit 12+ Months Check-Off Personal Loan: Product Details & How to Apply is not a lender. We verify loan rates and provide cost breakdowns from Kenya's top lenders to help you apply for loans with confidence.
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Mwananchi Credit Limited
Civil Servants' 12+ Months Check-off Loan
Loan Amount
Ksh3k - 3M
Loan Period
1 year - 12 years
Interest Rate
Total Cost
(incl fees)
31% - 138% annualized, year one
Product Details
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Interest rates

*Interest Rates change according to the duration of the loan. See the breakdown below:

Interest Tiers:

  • 12 Months: 8.0% per month
  • 18 Months: 7.5% per month
  • 24 Months: 6.5% per month
  • 36 Months: 6.0% per month
  • 40 Months: 5.0% per month
  • 48 Months: 4.5% per month
  • 60 Months: 3.8% per month
  • 72 Months: 3.0% per month
  • 84 Months: 3.0% per month
  • 96 Months: 2.7% per month
  • 108 Months: 2.4% per month
  • 120 Months: 2.3% per month
  • 144 Months: 2.0% per month

Total Cost Breakdown (Loan Fees):

  • Processing fee: 5% of principal amount
  • Insurance Fee: 1% of principal amount
  • Application fee: 1% of principal amount
  • CRB fees: ksh300
  • Loan form Charge: ksh300
  • Bank Transaction fee: ksh500

Disbursement details

  • Application Method: Branch
  • Disbursement Method: Bank

Repayment details

  • Repayment Frequency: Monthly
  • Early Repayment: Allowed
  • Repayment Method: Check-off

Eligibility requirement

  • Smartphone: Not Required
  • CRB: Must be in good standing
  • Income: No Minimum
  • Employment: Required
  • Network: Not Required
  • History: Not Required


  • National ID
  • Latest three months payslips.
  • Latest six months bank statements for the applicant’s salary account.
  • KRA pin
  • Passport photo
  • Form duly filled and signed by Employer
  • T&C Link
Our Review
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  • Early repayments allowed
  • Check-off Repayments automated via employer


  • Only available to civil servants
  • Disbursement to Bank account charged ksh500

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Money254 strives to provide relevant and accurate product information, which Money254 obtains directly from each institution’s tariff guide. If you believe a product’s details are incorrect, please report the product to Money254.

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