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National Police Service

Police officers under NPS have access to special check-off loan facilities with competitive terms.

Employees

100,000+

Sector

Law Enforcement

Loan Multiplier

Max Term

60 months

Base Rate

From 13%

Bank Loan Comparison

Compare check-off loan options available to National Police Service

Bank	Multiplier	Interest Rate	Max Term	Key Features	Actions
KCB Bank	4x	13%	60 months	• Police Sacco partnership • Fast processing • Emergency loans	View Bank →
Co-operative Bank	4x	13%	60 months	• Huduma loans • Flexible terms • Top-up facility	View Bank →
Equity Bank	3.5x	14%	48 months	• Quick approval • Mobile banking • No paperwork	View Bank →
Family Bank	3x	15%	48 months	• Easy access • Personal service • Flexible payments	View Bank →

Requirements

What you need to apply for a Police (NPS) employee loan

Serving NPS officer
Minimum 1 year service
Valid police ID/service number
Latest pay slips
Good disciplinary record

Benefits

Why Police (NPS) employees get better loan terms

Government job security
Rates from 13% p.a.
Up to 4x salary
No collateral needed
Automatic deduction
Emergency loan facilities

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 Police (NPS).

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 Police (NPS) employees?

Police (NPS) 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 Police (NPS) employee?

Interest rates for Police (NPS) 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 Police (NPS) check-off loan?

Most banks process Police (NPS) 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 Police (NPS) employee loan?

No, Police (NPS) check-off loans are unsecured. The check-off arrangement where repayments are deducted directly from your salary serves as security for the bank.