Platinum Credit Civil Servants Personal Loan: Product Details & How to Apply

Rates available from as of 1st April 2021
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Platinum Credit

Civil servants Loans
Easy Apply
Ksh5k - 1M
6 months - 8 years
Interest Rate
Total Cost Including Institution's Other Fees
30% - 100% annualised, year one
Typically approved within 24 hours
visit website
Easy Apply

Loan Type

Unsecured Loans

Total Cost Breakdown (Loan Fees):

  • Interest Minimum: 2.5% per month
  • Interest Maximum: 10% per month
  • Processing fee: None
  • Insurance Fee: None
  • Withdrawal Fee: None
  • Late Fees: None
  • Other Fees: None

Disbursement Details:

  • Institution Type: Microfinance Institution
  • Application Method: paperwork
  • Disbursement Method: M-Pesa/Bank account

Repayment Details:

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

Eligibility Requirement:

  • Smartphone: Not required
  • CRB: Not Checked
  • Income: No Minimum
  • Employment: Required
  • Network: Not Required
  • History: Not required


  • National ID
  • Application Form Filled and signed
  • KRA pin
  • 6 Months M-Pesa/Bank statements
  • T&C Links

How to Apply


Money254 Review


  • Check-off Repayments automated via employer
  • Long loan tenure( up-to 96 months)
  • No Processing fees


  • Only available to employees where the employer has an MOU with the firm
  • Relatively high Interest rates (2.5%-10% per Month)


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How to Apply for Platinum Credit (Civil Servant) Loan, App, Repayment, Fees, Contacts

Platinum Credit Limited is a credit-only, non-deposit taking, Micro-Finance Company licensed in Kenya under the Company’s Act.

The Civil Servants' Loan facility is available for all civil servants. This includes Teachers’ Service Commission (TSC) members and County Government employees. 

Once a loan has been approved, the loan will be disbursed within 24 hours, either Via M-PESA or to a bank account.

The loans can also accessed via USSD code *619#

Platinum Credit Civil Servant Loan Eligibility Requirements

Platinum Credit Civil Servants' Loan Limits and Interest Rates

How to Apply for Your First Platinum Credit Loan

How to Make Platinum Credit Loan Repayments

How to Repay Platinum Credit Loans Via Bank Account

Platinum Credit Contacts

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