Personal Loans

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

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Platinum Credit
Civil servants Loans
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View the Loan Breakdown
Loan Amount
Ksh5k - 1M
Loan Period
6 months - 8 years
Interest Rate
Total Cost
(incl fees)
30% - 100% annualised, year one
Product Details
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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

Documents:

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

How to Apply

 

‍

Our Review
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Pros:

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

Cons:

  • 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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