Offer / Pre-Contractual Loan Disclosure Statement

1. Lender Information

Company: Tanir Credit & Accounting Services Limited

Registration Number: PVT-Y2U3BX7

Address: P.O. Box 1255 – 00232, Ruiru, Kenya

Email: info@tanirltd.co.ke

Phone: +254 104 674 738

2. General Information

This information is provided in accordance with the requirements of the Credit Reference Bureau Regulations (2020), the Data Protection Act (2019), and the Consumer Protection Act (Cap 46). It outlines the key terms applicable to loans offered by Tanir Credit & Accounting Services Limited prior to the signing of the agreement.

3. Key Loan Parameters

Type of Loan: Short-term personal loan / Business loan

Loan Amount:

  • Individuals: KES 3,000 – 30,000
  • Businesses (without factoring): KES 300,000 - 2,000,000
  • Businesses (with factoring): KES 300,000 - 6,000,000

Loan Term:

  • Individuals: 7 - 30 days
  • Businesses 30 - 120 days
  • Businesses with factoring: 30 - 180 days

Repayment Format: Monthly annuity payments

Disbursement Method: M-Pesa / Bank account

4. Interest Rates and Fees

New Client
Individuals
Daily Rate
1.2% per day (~438% APR)
Returning Client
Individuals
Daily Rate
from 0.5% per day
New Client
Businesses
Monthly Rate
1.2% per day (~438% APR)
Returning Client
Businesses
Monthly Rate
from 0.5% per day

Application Fee: KES 0

Hidden Fees: None

Late Payment Penalty: Up to 3% of the overdue amount per day

5. Client Obligations

  • Repay the loan on time according to the agreed schedule
  • Keep contact details up to date
  • Do not provide false or misleading information
  • Review the loan agreement before signing

6. Risks

  • Late repayment will negatively affect your credit score (reported to CRB)
  • Penalties may apply, and repeat loans may be restricted or escalated legally
  • Only borrow what you are confident you can repay

7. Your Rights

  • Right to receive information on interest rates, loan terms, and total cost
  • Right to review the contract before signing
  • Right to cancel the loan before signing the agreement
  • Right to request a CRB report once per year free of charge
  • Right to file a complaint with the ODPC or CBK

8. Example Calculation

Individual Loan
Loan Amount
KES 5,000
Term
30 days
Rate
1.0% per day
Total Repayable
KES 6,500
Business Loan, Annuity
Loan Amount
KES 300,000
Term
6 months
Monthly Rate
4.5% per month
Monthly Payment
KES 58,056
Total Repayable
KES 348,336

9. Contract Access & Personal Estimate

To receive a personalized calculation and draft agreement, please contact us:

Email: info@tanirltd.co.ke

Phone: +254 104 674 738

10. Acknowledgment

Before submitting your loan application, you must confirm that you have read this information and agree to the key loan terms.