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The 2% Transition: Why Now is the Time to Switch

The 2% Transition: Why Now is the Time to Switch

Chief Economist
April 26, 2026
HomeBlogThe 2% Transition: Why Now is the Time to Switch

Market Stability at 2%

Together As One recently announced a major review of interest rates. Logbook Loans, Car Finance, and Buy-Offs are now at a highly competitive 2% reducing balance per month. In a market where 4% and 5% are common, this switch is a financial no-brainer.

Calculating Your Savings

On a KSh 1 Million loan over 24 months, switching from 4% to 2% can save you over KSh 250,000 in total interest. That is money that belongs in your business or your children's school fees account, not in a bank's profit margin.

How to Make the Move

  • Bring us your current loan statement showing the outstanding balance.
  • Our team will perform a fresh Market Value valuation.
  • We issue the payoff check to your old lender and move you to our 2% plan immediately.

Don't wait for "someday." Every month you delay is another month of overpaying on interest.

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