County Government Employees
County government workers across all 47 counties can access check-off loans with competitive terms.
Employees
200,000+
Sector
Government (County)
Loan Multiplier
4x
Max Term
60 months
Base Rate
From 13%
Bank Loan Comparison
Compare check-off loan options available to County Government Employees
| Bank | Multiplier | Interest Rate | Max Term | Key Features | Actions |
|---|---|---|---|---|---|
| KCB Bank | 4x | 13% | 60 months |
| View Bank → |
| Equity Bank | 3.5x | 14% | 48 months |
| View Bank → |
| Co-operative Bank | 4x | 13% | 60 months |
| View Bank → |
| NCBA Bank | 3.5x | 14% | 48 months |
| View Bank → |
Requirements
What you need to apply for a County Government employee loan
- Permanent county government employee
- Minimum 1 year employment
- HR confirmation letter
- Latest 3 payslips
- County staff ID
Benefits
Why County Government employees get better loan terms
- Available in all 47 counties
- Government job security advantage
- Multiple bank options
- Salary-based approval
- No collateral needed
- Structured repayment
How to Apply
Steps to get your check-off loan
1. Check Eligibility
Confirm you meet the minimum employment period and have all required documents for County Government.
2. Compare Banks
Use the comparison table above to find the best rates and terms for your needs.
3. Gather Documents
Prepare your staff ID, payslips, and HR confirmation letter.
4. Apply
Visit your chosen bank branch or apply online. Most banks process within 24-48 hours.
Calculate Your Loan
Use our salary loan calculator to estimate how much you can borrow.
Frequently Asked Questions
What is the maximum loan amount for County Government employees?
County Government employees can typically borrow up to 4x their monthly salary. For example, if you earn KES 100,000 per month, you could qualify for up to KES 400000 depending on the bank.
What interest rate will I get as a County Government employee?
Interest rates for County Government employees start from 13% per annum, which is lower than standard personal loans due to the check-off arrangement that reduces default risk for banks.
How long does it take to get a County Government check-off loan?
Most banks process County Government check-off loans within 24-48 hours once all documents are submitted. Some banks offer same-day disbursement for existing customers.
Do I need collateral for a County Government employee loan?
No, County Government check-off loans are unsecured. The check-off arrangement where repayments are deducted directly from your salary serves as security for the bank.