Financing options

Loans for personal needs, assets and business growth.

Compare available loan purposes, repayment periods and typical document requirements before beginning your application.

✓ Six financing categories ✓ Online document submission ✓ Transparent cost summary

Start an application

Choose a product that fits your purpose

The final approved amount, interest, fees and repayment period depend on verification and affordability assessment.

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Compare all JiraniLoans products

Select a suitable option to start a secure online application.

Personal Salary Logbook Business Company Emergency

Personal Loan

Flexible financing for education, medical expenses, household needs, emergencies and planned personal projects.

Typical requirements

Valid national ID
KRA PIN certificate
Income or employment evidence
Recent bank or M-Pesa statements

Limit: Flexible Term: 1–24 months Income and affordability

Apply for Personal Loan

Account registration is required.

Salary Advance

Short-term financial support for employed customers who need access to funds before their next salary date.

Typical requirements

Valid national ID
Latest payslips
Employment confirmation
Recent bank or M-Pesa statements

Limit: Income-based Term: 1–6 months Verified net salary

Apply for Salary Advance

Account registration is required.

Logbook Loan

Vehicle-backed financing for eligible owners of private, commercial or business vehicles.

Typical requirements

Original vehicle logbook
Vehicle valuation report
Valid insurance documentation
Vehicle photographs, ID and KRA PIN

Limit: Vehicle-value based Term: 3–36 months Vehicle ownership and value

Apply for Logbook Loan

Account registration is required.

Business Loan

Financing for working capital, stock purchases, equipment, operations and SME expansion.

Typical requirements

Business registration certificate
Business permits or licences
Business bank or M-Pesa statements
Owner identification and KRA PIN

Limit: Assessment-based Term: 3–36 months Business cash flow

Apply for Business Loan

Account registration is required.

Company Loan

Structured credit facilities for registered companies, organisations and established enterprises.

Typical requirements

Certificate of incorporation
Recent CR12 document
Company KRA PIN
Board resolution, director IDs and statements

Limit: Custom quotation Term: 6–48 months Company financial records

Apply for Company Loan

Account registration is required.

Emergency Loan

Smaller short-term financing for urgent, unexpected and time-sensitive personal expenses.

Typical requirements

Valid national ID
Active Kenyan phone number
Verifiable source of repayment
Additional information where required

Limit: Smaller limits Term: 1–3 months Repayment capacity

Apply for Emergency Loan

Account registration is required.

Application process

What happens after selecting a loan?

Every application passes through a structured submission, payment and review process.

Complete application

Enter the requested amount, purpose, income and repayment information.

Upload documents

Provide the supporting documents required for the selected product.

Pay application fee

Pay the disclosed 5% application processing fee through M-Pesa.

Application review

After successful payment, your documents are submitted for assessment.

Important application and pricing notice

A 5% application processing fee is calculated from the requested loan amount and displayed before payment. Successful payment submits the application and supporting documents for review. Paying the fee does not guarantee approval.

Any approved offer should separately disclose the approved principal, interest, applicable charges, installment amounts, repayment dates and total repayment before acceptance.

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