Police officers have good loan options through SACCOs and check-off facilities. Access competitive rates designed for law enforcement.
Join Kenya Police SACCO or Harambee SACCO
Use check-off facility for lower interest rates
Build SACCO savings for higher loan limits
Maintain clean CRB record
Consider group guarantor schemes
Kenya Police SACCO and Harambee SACCO offer the best rates (around 12% p.a.) with check-off. KCB and Equity also have special police loan packages. SACCOs allow up to 4x salary borrowing.
SACCO loans: up to 4x gross salary. Bank check-off: up to 3x net salary. Development loans: up to KES 5 million with guarantors. Emergency loans: up to 1 month salary instantly.
Recruits have limited options during training. After passing out, you can join SACCOs and start building loan eligibility. Mobile loans are available if you have M-Pesa history.
Compare loan options and find the best rates for your situation.