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Access to Credit

Our role is crucial given that Agriculture is the mainstay of the Kenyan economy where 80% of the Kenyan population which is rural based relies on agriculture as their main support system.

Access Channels


Explore credit services at one of our 48 branches located throughout the counties.



For registered clients download the Vuna app on Google PlayStore or the App store.


Initiate a loan application through the E-citizen Platform or the Customer Feedback Portal.


Loan Repayment

Bank / Agents

Visit any Bank or local bank agent and pay to the AFC accounts with your account clearly referenced.



For registered clients download the Vuna app on Google PlayStore or the App store.

Loan Calculator



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Period Payment Interest Balance

Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by Agricultural Finance Corporation. It does not take into account your personal or financial circumstances.

Fraud Detection & Mitigation

Measures into the loan application and repayment processes, to strengthen its defenses against fraud, promote transparency, and foster a trusting relationship with you.

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Featured Products

  • Designed for individual & groups
  • Repayment period up to 3 years
  • Interest rate is 10% per annum
  • Viability of the business
  • Tangible security for the loan
  • 20 % equity contribution towards the project.
  • Repayment period 2-5 years at annual installments
  • Designed for individual & groups
  • Tangible security for the loan
  • Suitability of the project
  • Experience in the enterprise Livestock & Fish production

These are loans that are provided for the production of maize, wheat, potatoes, rice and other foods crops that have maturity of not more than 12 months.

  • Repayment period of upto 12 months
  • Designed for individuals and groups
  •  Suitability of the crop
  • Tangible security to the loan
  • Minimum acreage is 5 acres for maize and wheat only

General Requirements

Frequently Asked Questions

Our loan interest rate is 10% on a reducing balance. However, we have other products like Sugarcane under special projects which are given at the rate of 5% on a reducing balance due to existing partnership with other stakeholders.

It depends on the loan amount that you have applied for since there are small scale, and Large scale loans. For small scale loans, we are committed to 6 days from the day of loan application, and 10 days from the date of loan application for Large scale loans. 

Not at all. The process will be seamless since most of the details are already in our custody.

We have other forms of securities such as Debentures, Bank Guarantees and Cash Deposits which are however only available in Risk Sharing Facilities.

Not Really. We encourage our clients to clear the outstanding loans before applying for new ones. This is because the Corporation largely operates on revolving funds, and therefore if loans are repaid in time, then more lending funds are available.

Yes, you can provided that the requisite legal instruments supporting the same are duly executed.

Our loans can go up to a maximum of 60 months, but this is strictly determined by the nature of products being financed. However, the ordinary repayment period for most of our products are at 36 months.

There’s no cap on the maximum loan. However, the determination of the loan amount depends on the business proposal presented by the client, ability to implement the proposed project and the loan repayment capacity.

The Corporation as experienced lenders have elaborate mechanisms to cushion clients from such incidences as and when they occur. Project inspection is carried out to ascertain the root cause of the project failure, thereafter mitigation measures are prescribed depending on the results of the findings.

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