Cooperative Bank of Kenya

The Cooperative Bank of Kenya is a publicly listed bank that aspires to be the leading and dominant Kenyan bank with a strong countrywide presence, playing a central role in the co-operative movement.

Personal loan

This is particularly so for salaried individuals who have held accounts with the Bank for more than 6 months through which their salaries are processed. With a minimum loan amount of Kshs 50,000 and a maximum of Kshs 3 million repayable in up to 60 months.

Co-op Personal Loan has been re-designed to bear the features that make it easier to purchase specific goods and services. In this regard, customers can get a Co-op Personal Loan to buy shares on the NSE, to Top-up their loan balance to the original amount.

The offer has been further enhanced with the following:

  • The maximum borrowing limit for unsecured loans has been raised to Ksh. 3 million.
  • The maximum repayment period has been extended from 36 months to 60 months for loan amounts above Ksh. 100,000

Bussiness loan

This offers the small and emerging businesses the funding they need to grow. The loan is available to all business owners and is offered at affordable rates.


  • To be considered for Biashara Plus, a customer will have run the business for at least 1 year, and be registered and exist on a permanent premise. This explains the ‘Plus’ name to the loan, as the funding is intended to help the customer expand an existing business. In addition, customers who manage to repay the loan in a timely manner as provided for in the agreement are given a 20% rebate on loan repayment on the next Biashara Plus facility.
  • Another attractive feature of the loan is that customers have the chance to get funding without having to secure the loan, as the bank may instead consider other business assets e.g. business stock, household assets, personal guarantees and other movable and fixed assets as sufficient to secure the funding.