HF Group Personal Loan – review 2026
Pros
- Backed by a bank with deep specialisation in housing and mortgage finance
- Useful complement to an existing HFC mortgage for home-related expenses
- Full CBK prudential regulation and disclosure requirements
- Established brand with a long history in the Kenyan market
Cons
- Smaller general retail banking network than universal banks
- Product is more niche than mainstream multi-purpose personal loans
- Fewer digital/mobile lending features than larger competitors
Housing Finance Group (HF Group) is best known in Kenya as a specialist in mortgage and housing finance, operating its banking business through its subsidiary HFC Limited. HFC Limited is licensed and regulated by the Central Bank of Kenya (CBK) as a commercial bank under the Banking Act.
Alongside its core mortgage lending, HFC offers a personal loan product to salaried employees, structured to complement rather than compete with the group's primary housing finance portfolio. It is typically used by existing or prospective mortgage customers for expenses such as home improvement, furnishing or other personal needs linked to homeownership.
Fees and Eligibility
As a CBK-regulated bank, HFC must disclose the full cost of the personal loan, including processing fees and any insurance premium, before disbursement. Applicants with an existing mortgage or savings relationship with HFC are generally viewed favourably, since the bank has direct visibility of their repayment history.
Requirements
- National ID or passport
- KRA PIN certificate
- Payslips or 3-6 months of bank statements
- Minimum age 18 years
- Satisfactory CRB credit report
- Existing HFC relationship is an advantage
Provider contacts
- Name
- HFC Limited
- Address
- HF Rehani House, Kenyatta Avenue & Koinange Street, P.O. Box 30088-00100, Nairobi, Kenya
- Reg. number
- CBK/BL/0009
- Website
- https://www.hfgroup.co.ke
- Online application
- Apply now →
- Regulator
- Central Bank of Kenya (CBK)
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.