Loan product
Imarisha Maisha Loan
A loan that helps traders restock, expand and get through slow months.
For business owners and employed people with a steady income. Apply online or at the Atir office, then repay monthly by M-Pesa, bank or cash.
Estimate your Imarisha Maisha Loan
KES 50,000
Monthly instalmentKES 18,333Total repayableKES 110,000Loan-linked savings (20%)KES 10,000One-off registrationKES 500
Example at 20% per month, flat. Final terms depend on approval.
Apply onlineTerms
- Amount
- KES 5,000 to KES 500,000
- Repayment period
- 1 to 12 months
- Interest
- 20% per month, flat
- Late payment
- 5% of the instalment after 3 days
- Loan-linked savings
- 20% of the loan, or security instead
- Guarantors
- 2
- Security accepted
- Guarantors only, Vehicle logbook, Agent or landlord MOU, Other approved security
- Registration fee
- KES 500, paid once
Who can apply
- Kenyan citizen or resident aged 18 to 75
- A steady business or employment income
- An M-Pesa line registered in your name
What you need to register
- National ID or passport
- KRA PIN certificate
- Passport-size photo
- Next of kin details
- One-off registration fee
What you need to apply
- Two guarantors with copies of their IDs
- A current photo of your business
- Loan-linked savings as a share of the loan, or a vehicle logbook or agent/landlord MOU instead
- Your application form, printed with your details for you and your guarantors to sign
Example repayment
KES 50,000 over 6 months at 20% per month| # | Due | Principal | Interest | Instalment |
|---|---|---|---|---|
| 1 | Month 1 | 8,333 | 10,000 | 18,333 |
| 2 | Month 2 | 8,333 | 10,000 | 18,333 |
| 3 | Month 3 | 8,333 | 10,000 | 18,333 |
| 4 | Month 4 | 8,333 | 10,000 | 18,333 |
| 5 | Month 5 | 8,333 | 10,000 | 18,333 |
| 6 | Month 6 | 8,335 | 10,000 | 18,335 |
| Total | 50,000 | 60,000 | 110,000 |