Personal Development Loan

Get a loan of up to Ksh 3M unsecured against your salary at 1.1 % p.m. reducing balance with a repayment of up to 96 months.


  • Flexible repayment plan of up to 96 months
  • Fast loan processing
  • Competitive interest rates of as low as 1.1 % pm reducing balance
  • A defined repayment plan of up to 96 months
  • Top up and buy-offs available


  • Permanently employed or on specified term contracts
  • Be a fully paid-up member (shares worth Ksh.3000)
  • Original and Copy of ID
  • Latest three months’ original pay slips
  • Letter of introduction from the Employer
  • Two guarantors working in the same institution
  • The loan amount is subject to a minimum 1/3 take-home requirement.

Current MOUs

  • Murang’a Water and Sanitation Company
  • Murang’a South Water & Sewerage Company
  • ACK Diocese of Murang’a South
  • ACK Diocese of Mt. Kenya Central
  • TSC Check Off
  • Murang’a University College
  • Murang’a County Government
  • Murang’a County Assembly
  • Murang’a Senate Office
  • Kangiri FCS
  • New Murarandia FCS
  • Kiru FCS
  • Marumi FCS
  • Ruchu Gacharage FCS
  • Ngere Tea Factory
  • Ikumbi Tea Factory
  • Kiharu CDF
  • Kiharu Constituency Office
  • Truvets Techno Systems
  • Njumbi High School
Apply Now

Calculate your monthly loan repayments

The approximate monthly repayment figure is indicative and is not meant to be final. Amica reserves the right to determine the final interest rate and amount that can be borrowed.