Loan Products

KCBLL offers a wide range of loan products designed to meet the needs of individuals and businesses. Our loans are flexible and affordable, and we are committed to providing our customers with the best possible service.

Whether you are looking for a loan to start a business, buy a home, or consolidate debt, we have a product that is right for you. Our experienced loan officers will work with you to find the best solution for your needs.

We are committed to helping our customers achieve their financial goals. If you are looking for a loan, we encourage you to contact us today.

Maendeleo Group Loan

Maendeleo Group Loan is a loan product specially designed for registered groups which a doing socio-economic activities.

Over Drafts

It is a short term facility offered by KCBL for a period of one year to customers (Co-operatives, Individuals, Companies and other organizations) for the business at the maximum level of cash (overdraft limit) that allows current account holders to write cheques or make withdrawals.

Pembejeo Loans

These are loans guaranteed by Government through Agricultural Input Trust Fund for agricultural inputs in duration of 12-24 months.

Salary based loan

This loan scheme is designed to assist all salaried workers; these loans are provided to employees in different formal sector for a duration from12-24 months.

Trade Loans

KCBL Trade loans allows the customer to borrow money from the bank as a working capital and repay the money back with flexible repayment installment schedule every month.

Uwezeshaji loan

These loans are offered for 12-24 months, and guaranteed by Government to finance individual and economic groups who have no access to conventional financial institutions, for undertaking economic activities.

Warehouse receipt system

The KCBL is proud to be a founder of this system after realizing that it is not possible for an ordinary farmer to have a mortgage and obtain a loan from the Bank and as a result one of its activities currently is the coffee financing arrangement between KCBL and the Agricultural Marketing Co-operative Societies (AMCOS) also known as Rural Co-operative Societies (RCS)


Our ATM cards give you access to your cash 24/7. You can use your KCBL ATM card to withdraw cash, deposit checks, and transfer money between your KCBL accounts.
Kilimanjaro Co-Operative Bank ATM VISA Card
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