Skip to main content
🇰🇪 PROUDLY KENYAN

Personal Loans in Kenya

Compare personal loans from KCB, Equity, Co-op, and digital lenders. Get the best rates and fastest approval.

|Last verified: Apr 16, 2026

There are 32 personal loans available in Kenya with interest rates from 2.5% to 34% per annum. Amounts range from KES 250 to KES 20,000,000. PesaMarket updates this data regularly.

Provider list verified against the CBK Directory of Licensed Digital Credit Providers as of 16/04/2026.

Showing 10 of 10 products

High-income earners needing large loans

ABSA Personal Loan

ABSA Bank Kenya

Interest Rate
Average rate
14% - 16.5%
per annum
Max Amount
KES 10000K
Approval Time
2-3 business days
Processing Fee
2.5%
  • Loan amounts up to KES 10 million
  • Flexible repayment up to 6 years
Apply Now
Salaried employees

ABSA Unsecured Check-Off Loan

ABSA Bank Kenya

Interest Rate
13% below average
13% - 16%
per annum
Max Amount
KES 5000K
Approval Time
1-3 working days
Processing Fee
2.5%
  • No collateral required
  • Automatic salary deduction (check-off)
Apply Now
Cooperative society members

Co-op Bank Personal Loan

Co-operative Bank of Kenya

Interest Rate
Average rate
13.5% - 15.5%
per annum
Max Amount
KES 5000K
Approval Time
2-3 business days
Processing Fee
2%
  • Up to KES 5 million loan amount
  • Flexible repayment up to 5 years
Apply Now
SME owners

DTB Personal Loan

Diamond Trust Bank

Status unverified
Interest Rate
Average rate
14% - 17%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
2%
  • Personal loans up to KES 5 million
  • Competitive rates from 14% p.a.
Apply Now
Muslim customers seeking Sharia finance

DIB Murabaha Personal Finance

DIB Bank Kenya

Interest Rate
13% below average
13% - 15%
per annum
Max Amount
KES 8000K
Approval Time
3-5 working days
Processing Fee
1.5% arrangement fee (Ujrah)
  • Sharia-compliant Islamic finance from Dubai Islamic Bank
  • Murabaha cost-plus-profit structure (no interest)
Apply Now
Indian diaspora and NRI customers

Bank of Baroda Personal Loan

Bank of Baroda

Lender site unavailable
Interest Rate
13% below average
13% - 15%
per annum
Max Amount
KES 8000K
Approval Time
3-5 working days
Processing Fee
1.5% of principal
  • Personal loans up to KES 8 million
  • Indian subsidiary with deep Kenya-India trade corridor
Apply Now
Nigerian and West African diaspora

Access Bank Personal Loan

Access Bank Kenya

Interest Rate
Average rate
14% - 16%
per annum
Max Amount
KES 5000K
Approval Time
24-48 hours
Processing Fee
2% of principal
  • Personal loans up to KES 5 million
  • Backed by Africa's largest bank (Access Bank Nigeria)
Apply Now
Customers with West/Central Africa links

BOA Personal Loan

Bank of Africa

Status unverified
Interest Rate
Average rate
14% - 16%
per annum
Max Amount
KES 5000K
Approval Time
48-72 hours
Processing Fee
2% of principal
  • Personal loans up to KES 5 million
  • Pan-African banking network in 20+ countries
Apply Now
SACCO members

Credit Bank Personal Loan

Credit Bank Kenya

Status unverified
Interest Rate
Average rate
14% - 17%
per annum
Max Amount
KES 3000K
Approval Time
48-72 hours
Processing Fee
2.5% of principal
  • Personal loans up to KES 3 million
  • SACCO-friendly lender with deep co-operative ties
Apply Now
Civil servants and government employees

Consolidated Bank Personal Loan

Consolidated Bank of Kenya

Status unverified
Interest Rate
Average rate
15% - 17%
per annum
Max Amount
KES 3000K
Approval Time
3-5 working days
Processing Fee
2.5% of principal
  • Personal loans up to KES 3 million
  • State-owned bank (Treasury is majority shareholder)
Apply Now
Showing top 10 of 32 products. Use filters above to narrow your match.

Expert Advice

Always compare at least 3 lenders before committing to a personal loan. The difference between the cheapest and most expensive personal loan in Kenya can be over 20% in total cost.

P
PesaMarket Research Team

Financial Analysis

Browse Personal Loans by County

Need help? Chat with us