Premium Loan

The Ultimate Borrowing Power for Full Members

Premium Loan – Maximum Credit, Backed by All Your Portfolios

The Premium Loan is Bancario Group's flagship credit facility, reserved exclusively for Full Members — those who have completed registration with the KES 1,500 membership fee. Rather than drawing from a single account, the Premium Loan looks at your entire financial standing with us: your One Bob One Day savings, your Chama contributions, and your Investment Reinvestment balance — combining them into one powerful borrowing limit.

It rewards members who have built a diversified relationship with the Group, offering the highest level of access while keeping the same fair, predictable interest rate as every other Bancario loan product.

  • Premium Loan Terms

    Key loan details:
    • Eligibility: Full Members only (registered with the KES 1,500 registration fee).
    • Clean Record Required: No outstanding Flexx Loan, Edu Loan, or Table Banking Loan.
    • Loan Limit: Up to 60% of (70% of One Bob One Day Savings + 70% of Chama Contributions + 70% of Investment Reinvestment).
    • Security: The total balance across all your Bancario accounts.
    • Interest Rate: 36% p.a. (equivalent to 3% per month on a reducing balance).
    • Loan Range: Min Ksh 10 · Max Ksh 1,000,000.
    Interested in Joining? Contact us
  • Why the Premium Loan is Different

    Built for committed members:
    • Combined Limit – Draws strength from three accounts at once, not just one.
    • Reserved for Full Members – A benefit of formal, registered membership.
    • Encourages Discipline – Requires a clean repayment record on other loans first.
    • Same Fair Rate – No premium pricing despite the premium access.
    Interested in Joining? Contact us
  • How to Apply

    Getting your Premium Loan:
    • Confirm Full Membership status and that the KES 1,500 registration fee has been paid.
    • Clear any outstanding Flexx, Edu, or Table Banking loans before applying.
    • Request your loan via the Member Portal — your combined limit is calculated automatically.
    • Once approved, funds are disbursed to your registered M-Pesa number.
    • Repay at 3% per month on a reducing balance, secured by your total account balances.
    Interested in Joining? Contact us