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Consumer Loans

EQUILOAN

The Equiloan (Medium term needs) is a loan granted to salaried clients whose employers have check-off arrangements with Equity Bank Ltd for investing in various personal development projects.

Benefits:


  1. It is Easy:

      - No security requirements up to Kshs. 3,000,000/- depending on ability to pay.

      - Flexible repayment period of up to 72 months.

             - No tangible security needed.

  1. It is Fast: 

      - Quick loan processing and disbursement

  1. It has Added Value: 

     -  Loan insurance against death and disability.

Flexi-Salo

Flexi-Salo (‘The Bridge’) is a loan granted to salaried clients whose companies do not have check-off arrangements with Equity Bank Ltd or not served well under the salary advance loan.

Benefits:


  1. It is Easy:

      - Maximum Limit of up to Kshs. 2,000,000/- depending on ability to pay.

      - Flexible repayment period of up to 60 months.

             - No tangible security needed.

  1. It is Fast: 

      - Quick loan processing and disbursement

  1. It has Added Value: 

     -  Loan insurance against death and disability.

SALARY ADVANCE

The Salary Advance (“Meeting Your Needs – Instantly!”) is a facility afforded to salaried employees for securing small amounts of short-term credit to finance emergency needs.

The loan is advanced up to four (4) times the average monthly net salary to help the salaried customers meet emergency needs.

Benefits:


  1. It is Easy:

      - No security requirements up to Kshs. 300,000/-

      - Automatic debits from customers accounts for repayments (on instruction), no need to travel to the bank and queue.

  1. It is Fast: 

      - Quick loan processing and disbursement

  1. It has Added Value: 

     -  Loan insurance against death and disability.

     - Advance of up to 4 times the customer’s net salary which is higher than most competing products.

Consumer Asset Finance

Consumer asset finance (Motor needs) is a medium term loan granted to salaried clients whose institutions have partnerships with Equity Bank for the purchase of moveable capital asset mainly motor vehicles.

Benefits:


  1. It is Easy:

      - Vehicle purchased acts as security.

      -  Up to 100% financing.

      - Flexible repayment period.     

  1. It is Fast: 

      - Quick loan processing and disbursement

  1. It has Added Value: 

     -  Loan insurance against death and disability.

Merchandised loan

A merchandised loan (consumer financing) loan is a short term loan granted to salaried customer to assist in purchasing goods or services from various providers.

The various products offered under this include but not limited to:

  1. Mwalimu Laptops- Specifically for Teachers Service Commission Employees
  2. Laptop Financing- Partnership with appointed providers
  3. DSTV purchase- Partnership with Multichoice
  4. Stima loan- Partnership with Kenya Power

Benefits:


  1. It is Easy:

      - Item purchased acts as security.

      - Flexible repayment period of up to 24months.     

  1. It is Fast: 

      - Quick loan processing and disbursement

  1. It has Added Value: 

     -  Loan insurance against death and disability.

 


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