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Ministry of Health & Hospital Workers

Healthcare workers including doctors, nurses, and support staff can access competitive check-off loans.

Employees

80,000+

Sector

Healthcare

Loan Multiplier

Max Term

60 months

Base Rate

From 13%

Bank Loan Comparison

Compare check-off loan options available to Ministry of Health & Hospital Workers

Bank	Multiplier	Interest Rate	Max Term	Key Features	Actions
KCB Bank	4x	13%	60 months	• Healthcare loans • Equipment financing • Practice setup	View Bank →
Co-operative Bank	4x	13%	60 months	• Medical staff accounts • Professional loans • Flexible terms	View Bank →
Equity Bank	3.5x	14%	48 months	• Quick approval • Mobile banking • Emergency loans	View Bank →
Family Bank	3x	15%	48 months	• Personal service • Easy access • Top-up facility	View Bank →

Requirements

What you need to apply for a MOH & Hospitals employee loan

Hospital employee (public/private)
Nursing council/medical board registration
Minimum 6 months employment
Latest payslips
Employment confirmation

Benefits

Why MOH & Hospitals employees get better loan terms

Essential worker recognition
Good loan terms
Multiple bank partnerships
Extended repayment options
Equipment financing available
Practice setup loans

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 MOH & Hospitals.

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 MOH & Hospitals employees?

MOH & Hospitals 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 MOH & Hospitals employee?

Interest rates for MOH & Hospitals 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 MOH & Hospitals check-off loan?

Most banks process MOH & Hospitals 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 MOH & Hospitals employee loan?

No, MOH & Hospitals check-off loans are unsecured. The check-off arrangement where repayments are deducted directly from your salary serves as security for the bank.