Home/Lenders/I&M Bank

8 Products🚚 Asset Finance💳 Credit Cards💼 Current Accounts🏦 Fixed Deposits🏠 Mortgages💼 Payroll Loans💰 Personal Loans🏦 Savings Accounts

I&M Bank

Compare all 8 products from I&M Bank in Kenya. Rates from 0%. Borrow up to Ksh 100,000,000.

Lowest Rate

Ksh 100,000,000

Max Amount

24-48 hours

Fastest Disbursement

Total Products

Personal Loans

Product	Rate	Amount	Turnaround
I&M Personal Loan	14% - 18%	Ksh 100,000 - Ksh 10,000,000	24-48 hours	Apply

View all Personal Loans→

💳

Credit Cards

Product	Rate	Amount	Turnaround
I&M Classic Visa Credit Card	3.25%	N/A	5-7 working days	Apply

View all Credit Cards→

🏠

Mortgages

Product	Rate	Amount	Turnaround
I&M Home Loan	12% - 14.5%	Ksh 3,000,000 - Ksh 100,000,000	10-14 business days	Apply

View all Mortgages→

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Savings Accounts

Product	Rate	Amount	Turnaround
I&M Bank Savings Account	6%	N/A	N/A	Apply

View all Savings Accounts→

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Current Accounts

Product	Rate	Amount	Turnaround
I&M Bank Current Account	0%	N/A	N/A	Apply

View all Current Accounts→

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Payroll Loans

Product	Rate	Amount	Turnaround
I&M Bank Salary Loan	14% - 16%	Ksh 100,000 - Ksh 8,000,000	24-48 hours	Apply

View all Payroll Loans→

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Fixed Deposits

Product	Rate	Amount	Turnaround
I&M Bank Fixed Deposit Account	7.25% - 9.75%	N/A	N/A	Apply

View all Fixed Deposits→

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Asset Finance

Product	Rate	Amount	Turnaround
I&M Asset Finance	13% - 15%	Ksh 500,000 - Ksh 80,000,000	5-10 working days	Apply

View all Asset Finance→

I&M Bank Pros & Cons

+Pros

✓Best-rated mobile app in Kenya
✓Wide branch network (40+ branches)
✓High loan amounts (up to KES 10M)
✓Excellent customer service
✓Premium banking experience
✓Free M-Pesa transfers

-Cons

✗Higher minimum income required (KES 50K)
✗Fewer branches than tier-1 banks
✗Premium positioning means higher entry barriers
✗Higher KES 40K minimum income requirement
✗Annual fee of KES 3,000
✗5% cash advance fee

Eligibility Requirements

Minimum Income (Lowest)

Ksh 40,000

CRB Check Required

Yes (some products)

Employment Types Accepted

EmployedSelf-employedBusiness ownersProfessionalsSalariedProfessionalPermanently EmployedBusiness ownerRegistered companyCorporateProfessional practice

Required Documents (across all products)

●National ID
●KRA PIN
●3 months payslips
●Bank statements
●Employment letter
●Copy of ID/Passport
●KRA PIN Certificate
●6 months bank statements
●Last 6 months payslips
●Last 12 months bank statements

Frequently Asked Questions

What interest rates does I&M Bank offer?

I&M Bank offers interest rates ranging from 0% to 18% across their 8 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from I&M Bank?

I&M Bank offers loan amounts from Ksh 100,000 up to Ksh 100,000,000 depending on the product and your eligibility.

How fast does I&M Bank disburse loans?

The fastest disbursement time from I&M Bank is 24-48 hours. Actual processing time varies by product type and application completeness.

Does I&M Bank require CRB clearance?

Yes, I&M Bank 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 I&M Bank offer on PesaMarket?

I&M Bank currently has 8 products listed on PesaMarket across 8 categories: Asset Finance, Credit Cards, Current Accounts, Fixed Deposits, Mortgages, Payroll Loans, Personal Loans, Savings Accounts.