BORROW BETTER. BORROW STANDARD
We provide comprehensive loan and financing solutions designed to keep your finances flexible and stress-free.
1. PERSONAL LOAN
Features
Borrow up to KES 6,000,000 with no collateral required as security. Your income determines the maximum amount you qualify for, making it accessible to salaried individuals and self-employed professionals. Flexible repayment options are available up to 96 months, allowing you to choose a tenure that fits your budget.
Repayments
The monthly repayment is deducted from your Standard Loans account via a debit order for your convenience. If the company you work for has a check-off agreement with Standard Loans, you can apply for a scheme loan where repayments are deducted directly from your salary. This option is available to permanently employed or contract workers. You also get access to affordable credit life insurance to protect your loan.
Documents
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A copy of your national ID
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3 months’ bank statements
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A copy of your most recent payslip
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A copy of your signature on any white background
APPLY FOR THIS LOAN
2. BUSINESS LOAN
We provide stress-free business financing to help you grow, purchase inventory, or expand operations. Whether you need working capital to manage daily operations or asset financing to acquire equipment and machinery, we simplify the entire process. Our business loans come with flexible repayment terms tailored to your business cash flow cycles.
Features
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Competitive interest rates on reducing balance
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Repayment tenures up to 60 months
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No hidden fees or charges
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Fast approval and disbursement within 72 hours
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Access to business advisory services
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Flexible restructuring options during difficult periods
Eligibility
We guide you through every step from application to disbursement. Our team works closely with you to understand your business needs and recommend the best loan product. You get dedicated support throughout the life of your loan. Businesses of all sizes — from small enterprises to established corporations — can qualify based on their revenue and operational history.
Documents
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Business registration certificate
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Director identification documents
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6 months business bank statements
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2 years audited financial statements (for established businesses)
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Business plan for startups
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Valid trading license
APPLY FOR THIS LOAN
3. HOME LOAN
Apply for a loan or switch your loan to us. You can buy, build, or renovate your home, plus get access to equity release. We guarantee to inform you of your loan approval within 48 hours of submitting all required documentation.
Terms
With a Standard Loans Mortgage loan, you can buy the home of your dreams and move in without hassle. Standard Loans Mortgage loans are available at 13.33% interest per annum on a reducing balance. The maximum loan limit is determined by customer affordability.
Financing
You can borrow up to 110% of the property value with repayment of up to 25 years. For a business home loan, you can borrow up to 90% with repayment of up to 20 years. Security charge over property is applicable. Available for property in Kenya only.
Interests
The interest rate is 13.33% per annum on a reducing balance. No deposit is required (0% deposit). You can enjoy up to 25 years tenure depending on your retirement age. Discharge and charge over property are applicable as security.
Requirements
Maximum payback period is 20 years. A fixed-price contract is required for amounts above KES 20 million. You get a 9-month moratorium during construction after which repayment starts. Interest is paid only on the amount drawn. Building plans must be approved. The construction site must be urban property intended for residential use. Pre and post-construction evaluation fees are applicable. Stage valuations are done throughout the construction process.