KCB Personal Car Loan
Pros
- +Finance up to 100% of vehicle value
- +New and used vehicles accepted (up to 8 years old)
- +Competitive interest rates
- +Flexible repayment period up to 5 years
KCB vs NCBA - Complete Bank Comparison 2025
Compare KCB 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
Kenya Commercial Bank
Lowest Fees
NCBA Bank
Fastest Approval
Kenya Commercial Bank
Overall Winner
Kenya Commercial Bank
| Feature | KCB Personal Car Loan Kenya Commercial Bank | NCBA Personal Loan NCBA Bank |
|---|---|---|
| Interest Rate | 13% - 15.5% p.a. | 12% - 18% p.a. |
| Loan Amount Range | KES 300,000 - KES 15,000,000 | 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: KCB or NCBA?
Both KCB and NCBA are reputable CBK-licensed banks in Kenya. KCB has 250 branches while NCBA has undefined branches. KCB was established in 1896 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 KCB and NCBA?
KCB is headquartered in Nairobi and offers Largest branch network in Kenya (250+ branches), Strong digital banking platform. 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: KCB or NCBA?
Interest rates vary by product type. For personal loans, rates typically range from 13-18% p.a. at both banks. KCB 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 KCB and NCBA?
Yes, you can have accounts at both KCB 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: KCB or NCBA?
Both banks have robust mobile banking apps. KCB offers KCB Mobile 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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