HF Group Personal Loan – review 2026

3,9 / 5

Housing Finance Group (HF Group) Kenya offers personal loans through its banking subsidiary HFC Limited. The product is accessible to salaried employees and is structured to complement the group's primary mortgage and housing finance portfolio. HFC Limited is regulated by the Central Bank of Kenya.

Pros

Lower minimum loan amount of KES 30,000
Repayment up to 60 months
Accessible to a broad range of income levels
Regulated by the Central Bank of Kenya
Optional top-up after 12 months of good repayment

Cons

Maximum loan of KES 2,000,000 is lower than some competitors
Limited branch network
Interest rates can reach 24% for higher-risk profiles
Processing may take up to 72 hours
Smaller digital banking footprint than tier-one banks

Requirements

Kenyan national ID or passport
3 months' payslips
Bank statements for the past 3 months
KRA PIN certificate
Employer letter or check-off agreement

Company information

Name: HFC Limited
Address: HF Rehani House, Kenyatta Avenue & Koinange Street, P.O. Box 30088-00100, Nairobi, Kenya
Web: https://www.hfgroup.co.ke

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.