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
4x
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 |
| View Bank → |
| Co-operative Bank | 4x | 13% | 60 months |
| View Bank → |
| Equity Bank | 3.5x | 14% | 48 months |
| View Bank → |
| Family Bank | 3x | 15% | 48 months |
| 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.
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.