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Safaricom Home Fibre does not come with a sim card. Once Safaricom Home Fibre has been installed in your house, you will be given a router by Safaricom.What comes with a sim card is Safaricom 4G for home.
Mobile loans in Kenya issue very small amounts of loans that are not worth taking someone to court. All they can do is submit your name to CRB which affects your credit score.
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Safaricom Home fibre installation is not currently available in Thika. Here is an updated page of regions with Safaricom home fibre connections: https://www.safaricom.co.ke/home/ask-for-fibre/ Areas along Thika Road where it is available include Kahawa Sukari, Kahawa Wendani, Kasarani, etc.
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