List Of Pioneer Credit Products And Branches In Kenya

This article focuses on products offered by Pioneer Credit and their branches in Kenya. Pioneer Credit is a non-deposit-taking microfinance institution that has been in operation since March 2018. Its head office is located at Sharp Center along  Wambui Road in Muthaiga.

List Of Pioneer Credit Products

1. Civil Servants Check Off Loan

This product targets civil servants and county government employees. You can access loans from between Ksh 5,000- 1,000,000 using your payslip. The loan has a repayment period of up to 24 months. It is disbursed within 24 hours after successful application.


  • Must be a Civil Servant.
  • Your Employer has to be registered for Pioneer Check-off Scheme.
  • Clear certified copy of National ID/Valid passport.
  • Certified Bank statement.
  • 3 latest pay slips.
  • 1/3 labour rule

2. Boda Boda Loan

Pioneer Credit finances up to 80% of the cost of the motorbike from selected dealers. The customer contributes 20% of the cost.

  • Deposit 20% of the bike value.
  • Copy of Identification card (I.D).
  • Copy of Driving license.
  • Copy of KRA pin certificate.
  • Certified Mpesa statement for the past 3 months.
  • 3 guarantors.

3. Logbook Loan

They lend from a minimum of Ksh 100,000 to a maximum of 60% value of the car.


  • 3 Month’s Certified Mpesa Statement
  • 6 Month’s Bank Statement.
  • Original logbook.
  • Copy of National ID.
  • Copy of KRA PIN.
  • Logbook Search Fee KES 1,200
  • Proof of Comprehensive Insurance.
  • One Passport Photo.
  • Valuation Fee KES 3,000
4. Invoice Discounting Loan
Pioneer Credit offers financing solutions against issued invoices while you are awaiting for payment. You are able to get a cash advance of up to 80% of the invoice value within 24 hours.
  • Copy of certificate of incorporation.
  • Copy of CR12.
  • Copy of Company Pin.
  • Copy of Tax Compliance Certificate.
  • Copy of Director’s PIN.
  • Audited Accounts (for the past 3 years).
  • Certified Bank Account Statements (6 months).
  • Company Profile.
  • Current Debtor Ageing Report (for the client company).
  • Current Creditors Report (for the client company).
  • Current Creditor Ageing report (for each proposed factoring customer).
  • 3 sample invoices (for each proposed customer in the past 12 months).

5.PioneerCASH Loans

This is a mobile phone-based product, tailor-made for civil servants. It provides easy access to check off loans from Ksh 1,000 up to Ksh 50,000 using the *454# USSD code. The loans are repayable within 3 months.


  • No paperwork.
  • Disbursement is real-time.
  • Funds received on phone via MPESA
  • Loan repayment is collected from the employer through the payroll.


  • MOU with your employer.
  • Borrowing capacity on a pay slip, the amount borrowed should not be beyond 1/3 of
    the basic salary.

6. Agri-Business Finance

This product targets small-scale farmers, aggregators and other players in agri-business.


  • Loan amount of up to Kes 1,000,000 based on your need.
  • Flexible repayment period.
  • Quick loan processing.
  • Financial training and market links.


  • Comprehensive Analysis of the agricultural project including expected revenues and the cost items e.g. seeds, animal purchases, herbicides, pesticides, harvesting and labour.
  • A comparative analysis of the neighbourhood to establish the kind of farming carried out, expected harvest and suitability of the farming activity the customer is carrying out.
  • 12 months bank statement or Mpesa statement.
  • Provide documentary evidence of ownership of the farm to be used for the production or a valid lease agreement covering at least one future production cycle.
  • Provide documentary evidence of at least three years of experience in the line of business.
  • Good credit history.
  • For limited companies Specific debenture over the asset being purchased.
  • Crop or livestock insurance cover.

KYC Documents

  • ID and PIN for individual agribusiness owners.
  • Coloured passport photos.
  • Directors’ ID and PIN, Company PIN, and Certificate of registration for companies.
  • Business records.
  • Copy of security.
  • Land ownership/lease agreements documents.
  • Dully completed loan application as per account mandate and appraisal form, resolution to borrow.
  • A current Valuation Report from the bank’s authorized valuers is required for used motor
  • Complete security perfection after the approval.
  • Detailed call report including photos and sketch maps.

7. Import Finance

This product facilitates payment of duty and port charges to clear imported goods quickly at the port. It enables the customer to avoid accruing extra charges and penalties at the port. The imported goods or car act as security.


  • The maximum tenure of the facility is 60 days.
  • The maximum value of 50% of the goods is to be advanced.
  • Flexible security requirements( client may provide a different logbook as security).
  • In the case of a motor vehicle, joint registration must be done and comprehensive insurance taken.
  • Clearance is to be done through our appointed clearing agent.
  • Can be converted to a logbook loan after 60 days in the case of a motor vehicle.


  • ID and KRA PIN certificate for the importer or company directors.
  • Certificate of Incorporation for companies.
  • CR12 for companies.
  • KRA PIN for companies.
  • Original Bill of Lading.
  • Invoice for the motor vehicle or other goods.
  • Export Certificate (Japanese Logbook).
  • Inspection Certificate in case of motor vehicle (Jevic).
  • Import Declaration form.

List Of Pioneer Credit  Branches In Kenya

1. Pioneer Credit Head Office

Location: Sharp Center, Wambui Road, Muthaiga

Phone: +254 701 777 000


2. Kisumu Branch

Location: 1st Floor Mini Mall, Apindi Street

Phone: +254712631993 , +254751259359


3. Eldoret Office

Location: 1st Floor, Citi Plaza, Bandaptai Street

Phone: +254782605139 , +254721605139


4. Ridgeways Office

Location: Milestone Business Center, 2nd Floor, Kiambu Road

Phone: +254 701 777 000


Victor Matara

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