Borrowing & Credit

Loans, debt and credit records — borrowing safely and getting out of trouble.

14 guides · Last updated Oct 2026

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Debt Consolidation In Kenya: When Combining Loans Helps (2026) Rolling several loans into one can cut your monthly payment sharply and still cost you more overall. Here is h... 12 min read → What Happens When You Default on a Loan in Kenya (2026) The legal sequence after a missed repayment in Kenya: CRB notice, interest caps, and the notice periods before... 11 min read → Flat Rate vs Reducing Balance Interest in Kenya (2026) A 12% flat loan and a 12% reducing balance loan look identical and cost wildly different amounts. Here is how... 11 min read → Salary Advances In Kenya: How They Work And What They Cost (2026) What the Employment Act lets your employer deduct, how much an advance really costs, and the CBK rules that pr... 9 min read →

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