Co-op Bank Personal Loan
Pros
- +Up to KES 5 million loan amount
- +Flexible repayment up to 5 years
- +Competitive interest rates from 13.5%
- +No collateral required for amounts up to KES 1 million
Co-op Bank vs NCBA - Complete Bank Comparison 2025
Compare Co-op 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
Co-operative Bank of Kenya
Lowest Fees
NCBA Bank
Fastest Approval
Co-operative Bank of Kenya
Overall Winner
Co-operative Bank of Kenya
| Feature | Co-op Bank Personal Loan Co-operative Bank of Kenya | NCBA Personal Loan NCBA Bank |
|---|---|---|
| Interest Rate | 13.5% - 15.5% p.a. | 12% - 18% p.a. |
| Loan Amount Range | KES 50,000 - KES 5,000,000 | KES 50,000 - KES 7,000,000 |
| Repayment Period | 12 - 60 months | 12 - 72 months |
| Fees | Processing: 2%% | 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: Co-op Bank or NCBA?
Both Co-op Bank and NCBA are reputable CBK-licensed banks in Kenya. Co-op Bank has 170 branches while NCBA has undefined branches. Co-op Bank was established in 1968 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 Co-op Bank and NCBA?
Co-op Bank is headquartered in Nairobi and offers 170+ branches nationwide, Strong cooperative banking heritage. 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: Co-op Bank or NCBA?
Interest rates vary by product type. For personal loans, rates typically range from 13-18% p.a. at both banks. Co-op 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 Co-op Bank and NCBA?
Yes, you can have accounts at both Co-op 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: Co-op Bank or NCBA?
Both banks have robust mobile banking apps. Co-op Bank offers MCo-op Cash 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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