You take care of
Kenya's children.
Let us take care of you.
Zeraki has partnered with Stanbic Bank to bring TSC teachers a loan built around your reality — clear total cost, complete privacy, and a fast response when you need it most.
Zeraki works with over 7,000 schools across Kenya. We know how much teachers give — and how hard it has been to access a loan that's honest about cost and respects your privacy. So we partnered with Stanbic Bank to change that: one application, no hidden fees, no colleagues involved, and a decision you can count on.
Stanbic Bank Kenya Limited is licensed and regulated by the Central Bank of Kenya.
This is a Zeraki-facilitated application. Your information is shared only with Stanbic Bank.
Refinance your existing loan
Whether it's from a bank or SACCO — Stanbic can pay it off and optionally give you more.
- Works with any bank or SACCO loan
- Terms up to 144 months — lower monthly deduction
- Zero processing fees · Zero insurance fees
- No guarantors — approval from school collected digitally, no stamp required from school officials
- Top up beyond your current balance if you need more
- 16% annual interest (1.33% per month) · no facility fee
See your monthly savings
Calculated at 16% annual interest · 1.33% per month
Preliminary estimates only. Final eligibility and terms determined by Stanbic Bank after payslip review.
Built for TSC teachers who need more.
No SACCO savings required. No colleagues involved. Completely private.
- No SACCO savings required to qualify
- No guarantors or colleagues involved
- Approval from school collected digitally, no stamp required from school officials
- Decision within 48 hours
- 16% annual interest (1.33% per month) · zero fees of any kind
See your full cost — no surprises
Calculated at 16% annual interest · 1.33% per month
Preliminary estimate only. Final eligibility and terms determined by Stanbic Bank after payslip review.
Tell us about yourself
Your application is reviewed privately by Stanbic Bank.
By submitting, you consent to Stanbic Bank Kenya reviewing your information to assess your loan application.
Share your payslip via T-Pay
Stanbic Bank needs your TSC payslip to process your application. Share it directly and securely through the T-Pay portal — it takes about 2 minutes.
Steps to send your payslip
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1Log in to T-PayGo to the T-Pay portal and sign in with your TSC Number and password.
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2Navigate to Third PartiesFind the "Third Party" section in the menu — used for sharing data with lenders and unions.
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3Select Stanbic BankChoose Stanbic Bank from the list of institutions.
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4Send payslipTap "Send Payslip" or "Send to Third Party".
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5Enter the OTPConfirm with the one-time password sent to your registered phone number.
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✓ConfirmationT-Pay will confirm the payslip has been sent to Stanbic Bank.
Your payslip is shared directly between TSC and Stanbic Bank via the secure T-Pay system. Zeraki does not have access to your payslip data.
A Stanbic representative will call you at
your number
within 48 hours to confirm next steps.
Questions? Call Stanbic directly:
0800 720 111 (toll-free)
Loan Application
Application progress