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Borrow between K1,000 and K110,000.
Take as long as you like to repay – up to 5 years.
Rest easy with free Consumer Credit Insurance.
Get the money you need for urgent or unexpected bills. A BSP Personal Loan helps you pay for things that can’t wait like school fees, car repairs or health costs. Borrow up to K110,000 with flexible repayment terms, no collateral and competitive interest rates.
This loan gives you fast access to funds for urgent needs like education, home repairs or emergencies. You can borrow between K1,000 and K110,000 with no security required. Make repayments at your own pace – for up to 5 years. You’ll also get free Consumer Credit Insurance for added protection. Apply easily online or at your nearest BSP branch.
Please see Rates, Fees & Charges for more information.
| Product | Interest Rate | Structure | Application Fee |
| Personal Loan – Existing | 26% pa | Fixed | K1,000 – K2,000 = K300
K2,001 – K5,000 = K350 K5,001 – K10,000 = K450 K10,001 – K20,000 = K550 >K20,001 = K700 |
| Personal Loan – New & Debt Consolidation | 35% pa | Fixed | |
| Housing Loan | 5.5% pa | Variable | K600 |
| First Home Ownership Scheme | 4.0% pa | Variable | K600 |
| Personal Property Investment Loan | 8.75% pa | Variable | 1% principal |
| Personal Asset Loan | 15.5% pa | Variable | 1.5% of principle |
* Default rate is 5% pa in addition to the interest rate applied on overdue amount
** Interest is calculated on a reducing balance b, and based on a 365/366-day year
*** Insurance, valuation, and registration fees are third-party vendor charges and do not constitute costs charged by BSP.
If you’re applying from a rural area, contact your local BSP branch for guidance, or use our online enquiry form for help.
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