Nzema Manle Smart Personal Loan

This is a special loan product for all workers on the Controller and Accountant Generals  

Department payroll. It is a type of life-enhancing loan which gives consumers the

opportunity to buy consumer items such as home appliances, electronics, furniture, etc.

and also to meet other exigencies of life.


  • Targeted at customers with good credit profile
  • Customer must be an employee of the government or has a salaried account with the Bank
  • Customer must meet the required debt income ratio
  • Customer must not be on the Exclusion list of the Bank or Must not have a Negative Bureau Report
  • Loan tenor is 18 months


  • Provides beneficiaries with quick access to funds when they need it
  • Loan spread over 18 months of equal payments


  • Completed Application Form
  • Recent passport size photograph
  • Proof of identity (passport, driver’s license, voter’s ID/ etc)
  • Original Pay Slip (last three months)
  • Personal Guarantee from the borrower

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