Citizens Credit Loans provide structured financial solutions tailored for entrepreneurs, employees and small businesses seeking accessible credit. As a microfinance institution, Citizens Credit Limited focuses on bridging funding gaps for individuals and enterprises that may lack conventional banking access. Through diverse loan products, the institution supports working capital needs, asset financing and short term liquidity solutions across Kenya.
Citizens Credit Loans are designed to address both personal and commercial financial requirements. Whether funding medical expenses, facilitating import duties, or financing awarded contracts, the institution offers targeted products backed by clear eligibility criteria. Because small businesses often face cash flow challenges, flexible financing options can provide operational stability and business continuity.
Understanding the structure of Citizens Credit Loans, including requirements, applicable charges and repayment terms, enables borrowers to make informed decisions. Below is a structured breakdown of the available loan products and official branch contacts.
Overview of Citizens Credit Loans
1. Logbook Loans
Citizens Credit Loans under the logbook category allow individuals to secure funding against motor vehicles. Borrowers may use the funds for medical expenses, school fees or household purchases. Multiple vehicles can serve as collateral where applicable.
Requirements
Original logbook
KRA PIN certificate
National ID
Two passport photos
Six months bank statement
Comprehensive insurance certificate
Check Off and Civil Servants Loans
2. Check Off Loans
This product targets civil servants, Teachers Service Commission employees and staff of private firms with a Memorandum of Understanding with Citizens Credit. Repayment is structured through salary deductions.
Requirements
Original latest payslip
National ID
KRA PIN certificate
Colour passport photos
Proof of employment duration
Confirmation or appointment letter
Applicable Charges
Processing fee at five percent of principal amount
Loan form fee Kshs 300
CRB fee Kshs 300
Legal witnessing fee Kshs 400
Interest for private company employees is five percent per month with a maximum repayment period of twelve months. For civil servants and teachers, interest rates reduce with longer repayment periods ranging from five percent for one year to three percent for five years.
Business Focused Citizens Credit Loans
3. Cheque Discounting
Cheque discounting allows businesses to access immediate cash against cheques issued by reputable companies. This supports continuous business operations without waiting for cheque clearance.
Requirements
Original cheque
Copy of applicant ID
Supporting invoice or payment voucher where available
4. Invoice Discounting
Citizens Credit Loans also include invoice discounting for suppliers serving supermarkets, hospitals, educational institutions and other recognized entities. Financing can reach up to eighty percent of invoice value and is repayable within ninety days.
Requirements
Acknowledged original invoice
Delivery notes
Letter of assignment of receivables
Latest business bank statement
5. Import Financing
Import financing assists businesses by covering port charges, storage fees and customs duties as per Kenya Revenue Authority guidelines. The facility finances one hundred percent of calculated duties and taxes.
Requirements
Original bill of lading
Invoice for goods
Import Declaration Form
Japanese or English logbook where applicable
Copy of importer ID or PIN
6. LPO Financing
LPO financing supports businesses awarded Local Purchase Orders, Local Service Orders or contracts. Financing is provided against tangible security such as title deeds or logbooks.
Requirements
Original LPO or contract
Proforma invoice or cost breakdown
Tangible security
Evidence of similar past work
Personal Loan Solutions
7. Salary Advance Loans
Salary advance Citizens Credit Loans cater to employees of reputable organizations with consistent salary history. Repayment terms remain flexible depending on borrower profile.
Requirements
Latest three months payslips
Six months salary account bank statements
Post dated cheques from salary account
8. Title Deed Loans
Title deed loans are secured facilities backed by property ownership documents. They offer competitive pricing subject to property valuation.
Requirements
Copy of title deed
Valuation report
Legal charge documentation
9. Weekend Loans
Weekend loans target loyal clients and are disbursed through mobile money platforms for convenience.
Citizens Credit Branches and Contacts
Headquarters
Location: 11th Floor, Finance House, Loita Street, Nairobi
Contact: 0722 646 687
Kiserian Branch
Location: 1st Floor, Kamunyu House
Contact: 0775 133 657
Ngong Branch
Location: 1st Floor, Juliet Towers, Ngong Road
Contact: 0776 628 700
Rongai Branch
Location: 2nd Floor, Tymes Arcade, Magadi Road
Contact: 0770 375 633
Citizens Credit Loans continue to provide financial access to individuals and enterprises across Kenya. Through structured products, defined eligibility criteria and accessible branch locations, the institution supports economic participation within both urban and peri urban communities.
