Mint Credit’s Tailor-Made Loans for Bank Staff

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:

  1. Visit www.mintcredit.co.ke
  2. Select Bank Staff Loans
  3. Click on Apply for a New Loan or Top-up/Repeat Loan
  4. Fill out the application form and upload your documents
  5. 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.