Trans National Bank, a key player in Kenya's financial sector, offers diverse loan products tailored for personal and business needs, primarily through its Hazina Sacco platform. These loans emphasize competitive rates, flexible eligibility, and quick approvals, making them popular in Nairobi and beyond.
| Loan Name | Eligibility Criteria | Interest Rates | Max Amount |
|---|---|---|---|
| Unsecured Loans (Hazina) | Active member aged 18+, steady income, good credit history | 1.0% - 1.2% per month (reducing balance) | KSh 100,000 |
| Easy Collateral Loans (Hazina) | Member with basic collateral (e.g., guarantors or logbook), minimum 3 months membership | 0.9% - 1.1% per month | KSh 300,000 |
| Standard Collateral Loans (Hazina) | Full collateral (e.g., title deed, property), 6+ months membership, salary account preferred | 0.8% - 1.0% per month | No upper limit (asset-based) |
| Personal Loans | Salaried employees or self-employed, minimum salary KSh 15,000, 3 months bank statements | 12% - 16% p.a. | KSh 5 million |
| Business/Overdraft Loans | Business registration, 1-year trading history, turnover proof | 13% - 18% p.a., overdraft up to 4x salary | KSh 10 million |
| Asset Finance (Car/Equipment) | Proof of asset quote, downpayment 20%, credit score | 14% - 17% p.a. | Asset value |
1. Unsecured Loans
Unsecured loans from Trans National Bank's Hazina platform suit urgent personal needs without collateral demands. Borrowers qualify with active Sacco membership over 18 years, regular deposits, and no adverse credit flags; approvals often process in 24-48 hours.
Limits cap at KSh 100,000 with repayment up to 24 months at 1.0%-1.2% monthly on reducing balance, totaling around 14%-18% annually. Ideal for emergencies like medical bills or school fees, these loans feature low fees (1% processing) and integrate with mobile banking for instant disbursal.
2. Easy Collateral Loans
These mid-tier Hazina loans bridge unsecured and secured options, requiring simple pledges like guarantors or vehicle logbooks. Eligibility targets members with 3+ months tenure, verifiable income (KSh 20,000+ monthly), and clean repayment history; self-employed applicants need 6 months bank statements.
Offering up to KSh 300,000 over 36 months at 0.9%-1.1% monthly (11%-14% effective annual rate), they fund home improvements or small ventures. Banks prioritize salary earners with accounts at Trans National for faster processing and potential rate discounts.
3. Standard Collateral Loans
For larger financing, standard collateral loans leverage property titles or fixed assets, appealing to established borrowers. Requirements include 6+ months membership, asset valuation by approved surveyors, debt-to-income ratio under 50%, and business plans for commercial use.
No fixed maximum exists—amounts scale to collateral value— with terms to 84 months at 0.8%-1.0% monthly (10%-12% p.a.). Popular for property buys or expansions, they allow loan buyouts from other lenders at competitive top-ups.
4. Personal Loans
Personal loans cater to salaried individuals funding life events like weddings or education. Minimum eligibility: UAE/Kenya residents aged 21-60, KSh 15,000 salary, 1-year employment, and Emirates ID or Kenyan PIN; self-employed need audited accounts.
Up to KSh 5 million repayable over 60 months at 12%-16% p.a. fixed or variable rates, with overdraft options up to 4x salary. Features include liability transfers, digital tracking via app, and grace periods for new borrowers.
5. Business and Overdraft Loans
Tailored for SMEs, these provide working capital via overdrafts or term loans. Eligibility demands business license, 12 months KRAs, KSh 500,000+ turnover, and collateral for amounts over KSh 1 million; startups get micro-loans with guarantors.
Rates range 13%-18% p.a. with overdrafts at prime +2%, limits to KSh 10 million over 48 months. Benefits encompass flexible drawdowns, seasonal adjustments, and integration with merchant services for Nairobi traders.
6. Asset Finance Loans
These finance vehicles, equipment, or machinery with the asset as security. Applicants need 20% downpayment, asset quotes from dealers, good credit, and proof of business use; personal car loans require salary slips.
Rates at 14%-17% p.a. match asset tenor (up to 72 months), with balloon payments optional. Trans National excels in quick approvals for Kenyan imports, offering insurance tie-ups and repossession safeguards.
Trans National Bank's loan portfolio stands out in Kenya for Hazina Sacco's member-focused model, blending low rates with digital efficiency. Nairobi borrowers benefit from branches in key counties, competitive buyouts, and rates benchmarked below market averages (CBR at 12.5% as of Feb 2026). Eligibility stresses membership—join via ID, photo, and KSh 1,000 deposit—for instant access. Applications via app or branch yield same-day disbursals for small loans, with full docs for secured ones. Risks like penalties (5% on arrears) underscore timely repayments, but free financial literacy workshops aid management. Compared to peers like Equity or KCB, Trans National's reducing balance and collateral flexibility reduce total costs by 10-15%. For 2026, expect digital upgrades and green loan incentives amid economic recovery. Always verify latest terms on tnb.co.ke or Hazina portal, as rates tie to CBI fluctuations
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