Are you a bank employee facing an unexpected expense or mid-month emergency? Don’t stress. Mint Credit offers quick and reliable financial solutions tailored just for you. With our checkoff loans, you can borrow up to KES 100,000 and enjoy a flexible repayment period of up to 3 months—all at a competitive 6.7% per month on a flat rate
Why Choose Mint Credit?
Mint Credit is a licensed, lending-only microfinance institution specializing in short-term checkoff loans for employees of private companies in Kenya. Our loans are:
- Fast
- Transparent
- Flexible
- Customized to meet your financial needs
Loan Features at a Glance
- Loan Amount: KES 10,000 – 100,000
- Tenure: 1 – 3 months
- Interest Rate: 6.7% PM (flat rate)
- Instant Disbursement to your M-PESA
- Quick Approval Process
Repayment is easy via M-PESA:
Paybill Number: 4097891
Account Number: Your Phone Number
You can also pay via cheque.
Who Can Apply?
To qualify, you must:
- Be a salaried bank employee under an active MOU/partnership with Mint Credit
- Have a net salary that accommodates your monthly installment (not exceeding 1/3 of net salary)
- Get employer approval prior to disbursement
📄 Documents You’ll Need
Prepare the following:
- National ID
- Passport Photo
- KRA PIN Certificate
- Latest 3 Months Payslips
- 6 Months Bank Statement (salary account)
- 6 Months M-PESA Statement
- Postdated cheques from your salary account
How to Apply
Getting started is easy:
- Visit www.mintcredit.co.ke
- Select Bank Staff Loans
- Click on Apply for a New Loan or Top-up/Repeat Loan
- Fill out the application form and upload your documents
- Accept Terms & Conditions and submit
Important to Note
- Mint Credit is not a bank or SACCO – we do not take deposits
- Loans are issued only to employees under MOU/partnership
- If you leave employment, loan responsibility remains with you
- Loan limits only increase with salary increments
Fees & Deductions
- Processing Fee: 4% of loan amount
- Excise Duty: 20% of processing fee
- Credit Life Insurance: 0.55% p.a. of loan amount (covers death, disability, illness, retrenchment)
- M-PESA Transfer Fee: KES 12
- Statement Authentication Fee: KES 500
Get in Touch
Customer Service
📧 [email protected]
📱 0799 555 333 | 0799 230 970 | 0113 556 295
Collections
📧 [email protected]
📱 0113 510 264
At Mint Credit, any day can be a payday. Don’t let financial emergencies slow you down—apply today and take control of your finances with confidence and convenience.