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🏛️

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

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	• County partnerships • Branch network • Fast processing	View Bank →
Equity Bank	3.5x	14%	48 months	• Mobile banking • Wide coverage • Eazzy loans	View Bank →
Co-operative Bank	4x	13%	60 months	• Sacco integration • Competitive rates • Easy access	View Bank →
NCBA Bank	3.5x	14%	48 months	• Digital loans • No paperwork • Quick turnaround	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.

Use Salary Calculator

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.