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
NCBA vs Stanbic Bank - Complete Bank Comparison 2025
Compare NCBA and Stanbic Bank 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
NCBA Bank
Lowest Fees
Stanbic Bank Kenya
Fastest Approval
NCBA Bank
Overall Winner
NCBA Bank
| Feature | NCBA Personal Loan NCBA Bank | Stanbic Personal Loan Stanbic Bank Kenya |
|---|---|---|
| Interest Rate | 12% - 18% p.a. | 13% - 17% p.a. |
| Loan Amount Range | KES 50,000 - KES 7,000,000 | KES 100,000 - KES 15,000,000 |
| Repayment Period | 12 - 72 months | 12 - 84 months |
| Fees | Processing: 2.5%% | Processing: 2%% |
| Key Features |
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| View Details & Apply | View Details & Apply |
Stanbic Personal Loan
Pros
- +Loans up to KES 15 million
- +Long repayment period up to 7 years
- +Competitive rates from 13%
- +Quick approval within 3 days
Frequently Asked Questions
Which is better: NCBA or Stanbic Bank?
Both NCBA and Stanbic Bank are reputable CBK-licensed banks in Kenya. NCBA has undefined branches while Stanbic Bank has 26 branches. NCBA was established in 2010 and Stanbic Bank in 1911. 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 NCBA and Stanbic Bank?
NCBA is headquartered in Nairobi and offers various financial products. Stanbic Bank is headquartered in Nairobi and is known for Part of Africa's largest banking group, 110+ years of banking experience in Kenya. They differ in their product offerings, interest rates, fees, and branch networks.
Which bank has better interest rates: NCBA or Stanbic Bank?
Interest rates vary by product type. For personal loans, rates typically range from 13-18% p.a. at both banks. NCBA may offer lower rates for salary-backed loans, while Stanbic Bank might have better rates for secured loans. Always compare specific products on PesaMarket for current rates.
Can I have accounts at both NCBA and Stanbic Bank?
Yes, you can have accounts at both NCBA and Stanbic Bank. 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: NCBA or Stanbic Bank?
Both banks have robust mobile banking apps. NCBA offers NCBA Mobile Banking with M-Pesa integration, while Stanbic Bank provides Stanbic Bank Kenya App services. Check app store ratings and features that matter most to you.
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