Kenya Defence Forces
KDF personnel enjoy excellent check-off loan terms due to job security and guaranteed government salaries.
Employees
30,000+
Sector
Military & Defence
Loan Multiplier
5x
Max Term
72 months
Base Rate
From 12%
Bank Loan Comparison
Compare check-off loan options available to Kenya Defence Forces
| Bank | Multiplier | Interest Rate | Max Term | Key Features | Actions |
|---|---|---|---|---|---|
| KCB Bank | 5x | 12% | 72 months |
| View Bank → |
| Co-operative Bank | 5x | 12% | 72 months |
| View Bank → |
| Equity Bank | 4.5x | 13% | 60 months |
| View Bank → |
| NCBA Bank | 4x | 13% | 60 months |
| View Bank → |
Requirements
What you need to apply for a KDF (Military) employee loan
- Serving KDF member
- Minimum 1 year service
- Valid military ID
- Pay slip from DCSF
- Commanding officer recommendation
Benefits
Why KDF (Military) employees get better loan terms
- Highest job security rating
- Premium rates from 12%
- Up to 5x salary
- Extended 72-month tenure
- No collateral required
- Dedicated military banking units
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 KDF (Military).
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 KDF (Military) employees?
KDF (Military) employees can typically borrow up to 5x their monthly salary. For example, if you earn KES 100,000 per month, you could qualify for up to KES 500000 depending on the bank.
What interest rate will I get as a KDF (Military) employee?
Interest rates for KDF (Military) employees start from 12% 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 KDF (Military) check-off loan?
Most banks process KDF (Military) 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 KDF (Military) employee loan?
No, KDF (Military) check-off loans are unsecured. The check-off arrangement where repayments are deducted directly from your salary serves as security for the bank.