Compare 17 business loans that offer KES 400,000. Interest rates from 0.75% to 19% p.a.
See exactly how much you'll pay for a KES 400,000 loan
4G Capital
0.75% - 0.9%p.a.
KES 5,000 - 3,000,000
Kenya Women Microfinance Bank
1.5% - 2%p.a.
KES 5,000 - 2,000,000
Lipa Later
3% - 5%p.a.
KES 10,000 - 1,000,000
1 - 12 months
Marble Capital Solutions
3% - 5%p.a.
KES 50,000 - 2,000,000
| Interest Rate | 6 Months | 12 Months | 24 Months | 36 Months |
|---|---|---|---|---|
| 12% p.a. | KES 69,019 | KES 35,540 | KES 18,829 | KES 13,286 |
| 15% p.a. | KES 69,614 | KES 36,103 | KES 19,395 | KES 13,866 |
| 18% p.a. | KES 70,210 | KES 36,672 | KES 19,970 | KES 14,461 |
| 21% p.a. | KES 70,809 | KES 37,246 | KES 20,554 | KES 15,070 |
| 24% p.a. | KES 71,410 | KES 37,824 | KES 21,148 | KES 15,693 |
* Estimates based on reducing balance method. Actual EMI may vary based on fees and exact terms.
You can get a KES 400,000 loan from 17+ lenders including 4G Capital, Kenya Women Microfinance Bank, Lipa Later. Interest rates start from 9.9% p.a. Compare all options on PesaMarket to find the best rate for your needs.
For a KES 400,000 loan at 9.9% p.a. over 12 months, you'd pay approximately KES 35,147 per month. Use our EMI calculator for exact figures based on your chosen loan term and interest rate.
Requirements typically include: Kenyan ID/passport, age 18-65, minimum monthly income of KES 120,000 (varies by lender), valid KRA PIN, and good CRB status. Larger amounts may require collateral.
Digital lenders like Branch and Tala can approve and disburse within 5 minutes for amounts up to KES 50,000. Bank loans for KES 400,000 typically take 24-48 hours. M-Pesa loans (Fuliza, KCB M-Pesa) are instant but have lower limits.
Most formal lenders check CRB, but some digital lenders like Fuliza and Tala may approve first-time borrowers or those with minor CRB issues. For KES 400,000, we recommend improving your CRB status first for better rates and higher approval chances.
Compare 17 products and find the best rate for your needs. Apply online in minutes.
Kopokopo
5% - 7%p.a.
KES 5,000 - 500,000
1 - 6 months
Jijenge Credit
10% - 15%p.a.
KES 50,000 - 2,000,000
3 - 12 months
Equity Bank
12% - 15%p.a.
KES 50,000 - 10,000,000
6 - 60 months
Equity Bank Kenya
12.5% - 17%p.a.
KES 50,000 - 30,000,000
6 - 60 months
Co-operative Bank of Kenya
13% - 16%p.a.
KES 100,000 - 20,000,000
12 - 60 months
Equity Bank
13% - 16%p.a.
KES 100,000 - 30,000,000
12 - 72 months
Kenya Commercial Bank
13% - 18%p.a.
KES 100,000 - 50,000,000
12 - 60 months
Mogo Kenya
13% - 17%p.a.
KES 30,000 - 3,000,000
6 - 24 months
ABSA Bank Kenya
13.5% - 17%p.a.
KES 200,000 - 25,000,000
12 - 60 months
Kenya Commercial Bank
13.5% - 16%p.a.
KES 50,000 - 5,000,000
6 - 48 months
Stanbic Bank Kenya
13.5% - 19%p.a.
KES 200,000 - 100,000,000
12 - 84 months
ABSA Bank Kenya
14% - 17%p.a.
KES 100,000 - 15,000,000
6 - 60 months
Watu Credit Limited
14% - 18%p.a.
KES 50,000 - 5,000,000
12 - 36 months