ABSA Personal Loan
Pros
- +Loan amounts up to KES 10 million
- +Flexible repayment up to 6 years
- +Competitive interest rates from 14%
- +Quick approval within 48 hours
ABSA Bank vs NCBA - Complete Bank Comparison 2025
Compare ABSA Bank and NCBA side-by-side. Interest rates, fees, branch network, digital services, and customer reviews. Find out which bank is right for you.
At a Glance
Best Rate
ABSA Bank Kenya
Lowest Fees
NCBA Bank
Fastest Approval
ABSA Bank Kenya
Overall Winner
ABSA Bank Kenya
| Feature | ABSA Personal Loan ABSA Bank Kenya | NCBA Personal Loan NCBA Bank |
|---|---|---|
| Interest Rate | 14% - 16.5% p.a. | 12% - 18% p.a. |
| Loan Amount Range | KES 50,000 - KES 10,000,000 | KES 50,000 - KES 7,000,000 |
| Repayment Period | 12 - 72 months | 12 - 72 months |
| Fees | Processing: 2.5%% | Processing: 2.5%% |
| Key Features |
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| View Details & Apply | View Details & Apply |
NCBA Personal Loan
Pros
- +Loan up to KES 7 million unsecured
- +Up to 90% of deposit for secured loans
- +Competitive rates from 12% p.a.
- +Repayment up to 72 months
Frequently Asked Questions
Which is better: ABSA Bank or NCBA?
Both ABSA Bank and NCBA are reputable CBK-licensed banks in Kenya. ABSA Bank has 80 branches while NCBA has undefined branches. ABSA Bank was established in 1916 and NCBA in 2010. The best choice depends on your specific needs, location, and the type of financial product you're looking for.
What are the main differences between ABSA Bank and NCBA?
ABSA Bank is headquartered in Nairobi and offers Over 100 years of banking experience, Strong international banking network. NCBA is headquartered in Nairobi and is known for competitive rates. They differ in their product offerings, interest rates, fees, and branch networks.
Which bank has better interest rates: ABSA Bank or NCBA?
Interest rates vary by product type. For personal loans, rates typically range from 13-18% p.a. at both banks. ABSA Bank may offer lower rates for salary-backed loans, while NCBA might have better rates for secured loans. Always compare specific products on PesaMarket for current rates.
Can I have accounts at both ABSA Bank and NCBA?
Yes, you can have accounts at both ABSA Bank and NCBA. Many Kenyans maintain multiple bank accounts to take advantage of different products and services. Both banks offer mobile banking integration with M-Pesa for easy transfers.
Which bank has better mobile banking: ABSA Bank or NCBA?
Both banks have robust mobile banking apps. ABSA Bank offers Absa Banking App with M-Pesa integration, while NCBA provides NCBA Mobile Banking services. Check app store ratings and features that matter most to you.
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