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Teachers Service Commission Employees

TSC teachers have access to dedicated loan products with preferential rates due to government employment security.

Employees

350,000+

Sector

Education (Government)

Loan Multiplier

Max Term

60 months

Base Rate

From 13%

Bank Loan Comparison

Compare check-off loan options available to Teachers Service Commission Employees

Bank	Multiplier	Interest Rate	Max Term	Key Features	Actions
Co-operative Bank	4x	13%	60 months	• Mwalimu Sacco partnership • School fee loans • Land purchase loans	View Bank →
KCB Bank	4x	13%	60 months	• TSC check-off • Instant processing • Emergency loans	View Bank →
Equity Bank	3.5x	14%	48 months	• Eazzy loan • Mobile disbursement • No paperwork	View Bank →
Family Bank	3x	15%	48 months	• Flexible terms • Quick approval • Top-up available	View Bank →

Requirements

What you need to apply for a Teachers (TSC) employee loan

Registered TSC teacher
Valid TSC number
Minimum 1 year teaching experience
Latest payslip
National ID copy

Benefits

Why Teachers (TSC) employees get better loan terms

Special teacher loan products
Rates from 13% p.a.
Up to 4x monthly salary
Automatic payroll deduction
No guarantors for smaller amounts
Holiday payment breaks available

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 Teachers (TSC).

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 Teachers (TSC) employees?

Teachers (TSC) 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 Teachers (TSC) employee?

Interest rates for Teachers (TSC) 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 Teachers (TSC) check-off loan?

Most banks process Teachers (TSC) 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 Teachers (TSC) employee loan?

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