Personal Development Loan

Get a loan of up to Ksh 3M unsecured against your salary at 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% 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

  • Muranga South Water & Sewerage Company
  • TSC Check Off
  • ACK Diocese of Mt Kenya Central
  • ACK Diocese of Muranga
  • Truvet Techno System Ltd
  • Catholic Diocese of Muranga
  • Ministry of Interior & Co-ordination
  • Muranga University College
  • Kiharu Constituency
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.