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Cash covered loan

This is a type of loan that is used to cover short term liquidity constraints and is totally secured by the client’s deposit in a Savings Account or a Fixed Deposit Account.


  • Minimum facility amount  of K500 000
  • Maximum of 70% for Smart Savers Account  and 80% for Prime Investors Account and Fixed Deposit Account
  • Loan is repayable within 12 months
  • Interest rate is charged at base rate applicable


  • Same day processing
  • Client can make early repayment without any penalties
  • Interest rate is charged at base rate only
  • No hidden fee

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