Home/Lenders/Co-operative Bank of Kenya

14 Products🏢 Business Loans💳 Credit Cards💼 Current Accounts🎓 Education Loans⚡ Fast Loans🏠 Mortgages💼 Payroll Loans💰 Personal Loans🏦 Savings Accounts

Co-operative Bank of Kenya

Compare all 14 products from Co-operative Bank of Kenya in Kenya. Rates from 0%. Borrow up to Ksh 50,000,000.

Lowest Rate

Ksh 50,000,000

Max Amount

Instant

Fastest Disbursement

Total Products

Personal Loans

Product	Rate	Amount	Turnaround
Co-op Bank Personal Loan	13.5% - 15.5%	Ksh 50,000 - Ksh 5,000,000	2-3 business days	Apply

View all Personal Loans →

💳

Credit Cards

Product	Rate	Amount	Turnaround
Co-op Visa Classic Credit Card	3.5%	N/A	7-10 business days	Apply
Co-op Visa Gold Credit Card	3.5%	N/A	5-7 business days	Apply
Co-op Platinum Visa Credit Card	3.5%	N/A	7-10 working days	Apply
Co-op Platinum Visa Credit Card	3.5%	N/A	7-10 working days	Apply

View all Credit Cards →

🏢

Business Loans

Product	Rate	Amount	Turnaround
Co-op Asset Finance	13.5% - 16.5%	Ksh 500,000 - Ksh 50,000,000	5-10 working days	Apply
Co-op Biashara Loan	13% - 16%	Ksh 100,000 - Ksh 20,000,000	5-7 days	Apply

View all Business Loans →

🏠

Mortgages

Product	Rate	Amount	Turnaround
Co-op KMRC Mortgage	9.9%	Ksh 1,000,000 - Ksh 4,000,000	14-30 days	Apply

View all Mortgages →

🏦

Savings Accounts

Product	Rate	Amount	Turnaround
Co-op Jumbo Junior Account	7%	N/A	N/A	Apply

View all Savings Accounts →

⚡

Fast Loans

Product	Rate	Amount	Turnaround
MCo-op Cash Mobile Loan	4% - 9%	Ksh 50 - Ksh 500,000	Instant	Apply
MCo-op Cash Mobile Loan	4% - 9%	Ksh 50 - Ksh 500,000	Instant	Apply

View all Fast Loans →

💼

Current Accounts

Product	Rate	Amount	Turnaround
Co-op Current Account	0%	N/A	N/A	Apply

View all Current Accounts →

🎓

Education Loans

Product	Rate	Amount	Turnaround
Co-op School Fees Advance	13.5%	Ksh 50,000 - Ksh 2,500,000	24-72 hours	Apply

View all Education Loans →

💼

Payroll Loans

Product	Rate	Amount	Turnaround
Co-op Bank Salary Loan	13% - 14%	Ksh 20,000 - Ksh 5,000,000	24-48 hours	Apply

View all Payroll Loans →

Co-operative Bank of Kenya Pros & Cons

+Pros

✓Wide branch network
✓50-day interest-free period
✓Competitive interest rate at 23% p.a.
✓High credit limit up to KES 3M
✓Travel insurance up to USD 75,000
✓6 airport lounge visits annually

-Cons

✗Annual fee of KES 4,000
✗High minimum income requirement (KES 100,000)
✗12 months employment period required
✗Limited to 6 lounge visits per year
✗Higher interest rates (4-9% monthly)
✗Lower maximum amount (KES 500,000)

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Yes (some products)

Employment Types Accepted

Permanent employmentSelf-employedBusiness ownerCooperative memberCooperative membersSalariedCompanyAny - employed, self-employed, business owner, studentPermanently Employed

Required Documents (across all products)

●National ID or Passport
●KRA PIN Certificate
●Latest 3 months payslips
●Bank statements (6 months)
●Employment contract
●CRB report clearance
●Latest 3 payslips
●Employment letter
●Utility bill (proof of residence)
●Copy of ID/Passport

Expert Analysis

Co-operative Bank's Personal Loan caters particularly well to the cooperative society and Sacco member segment. If you're a member of a registered cooperative or Sacco with a relationship with Co-op Bank, you'll likely receive preferential rates and faster approvals. The bank's MCo-op Cash integration allows for instant loan applications via mobile. Standard rates of 13-16% p.a. are competitive, but the real advantage comes from cooperative partnerships that can offer additional rate discounts. Processing typically takes 2-5 days, longer than digital alternatives but with significantly higher loan limits.

How they compare

Co-op Bank excels for cooperative members but is less competitive for general applicants. Against KCB and Equity, Co-op wins on cooperative partnerships but may be slower for non-affiliated borrowers. The MCo-op Cash platform provides good digital access.

Frequently Asked Questions

What interest rates does Co-operative Bank of Kenya offer?

Co-operative Bank of Kenya offers interest rates ranging from 0% to 16.5% across their 14 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from Co-operative Bank of Kenya?

Co-operative Bank of Kenya offers loan amounts from Ksh 50 up to Ksh 50,000,000 depending on the product and your eligibility.

How fast does Co-operative Bank of Kenya disburse loans?

The fastest disbursement time from Co-operative Bank of Kenya is Instant. Actual processing time varies by product type and application completeness.

Does Co-operative Bank of Kenya require CRB clearance?

Yes, Co-operative Bank of Kenya requires CRB clearance for some or all of their products. A clean credit history improves your chances of approval and may qualify you for better rates.

How many products does Co-operative Bank of Kenya offer on PesaMarket?

Co-operative Bank of Kenya currently has 14 products listed on PesaMarket across 9 categories: Business Loans, Credit Cards, Current Accounts, Education Loans, Fast Loans, Mortgages, Payroll Loans, Personal Loans, Savings Accounts.