Home/Lenders/Kenya Commercial Bank

23 Products🚚 Asset Finance🏢 Business Loans💳 Credit Cards💼 Current Accounts🎓 Education Loans🏦 Fixed Deposits📱 Mobile Money Loans📈 Money Market Funds🏠 Mortgages💼 Payroll Loans💰 Personal Loans🏦 Savings Accounts

Kenya Commercial Bank

Compare all 23 products from Kenya Commercial Bank in Kenya. Rates from 0%. Borrow up to Ksh 100,000,000.

Lowest Rate

Ksh 100,000,000

Max Amount

Instant (0-30 seconds)

Fastest Disbursement

Total Products

Personal Loans

Product	Rate	Amount	Turnaround
KCB Personal Car Loan	N/A	Ksh 300,000 - Ksh 15,000,000 (not confirmed by the provider)	2-4 working days	Apply
KCB Personal Loan	N/A	Ksh 50,000 - Ksh 5,000,000 (not confirmed by the provider)	1-3 working days	Apply
KCB Personal Secured Loan	N/A	Ksh 100,000 - Ksh 20,000,000 (not confirmed by the provider)	2-5 working days	Apply
KCB Personal Unsecured Loan	N/A	Ksh 30,000 - Ksh 3,000,000 (not confirmed by the provider)	1-3 working days	Apply

View all Personal Loans →

💳

Credit Cards

Product	Rate	Amount	Turnaround
KCB Classic Visa Credit Card	3.5% monthly (42% p.a.)	N/A	5-7 working days	Apply
KCB Gold Credit Card	3.5% monthly (42% p.a.)	N/A	7-10 working days	Apply
KCB Infinite Credit Card	3.5% monthly (42% p.a.)	N/A	1-3 working days	Apply
KCB Gold MasterCard	3.5% monthly (42% p.a.)	N/A	7-10 working days	Apply
KCB Platinum Credit Card	3.5% monthly (42% p.a.)	N/A	7-10 business days	Apply
KCB Visa Signature Credit Card	3.5% monthly (42% p.a.)	N/A	7-10 working days	Apply
KCB World Elite Credit Card	3.5% monthly (42% p.a.)	N/A	5-7 working days	Apply

View all Credit Cards →

🏢

Business Loans

Product	Rate	Amount	Turnaround
KCB Boresha Biashara Loan	N/A	Ksh 50,000 - Ksh 1,000,000	2-5 working days	Apply
KCB Business Loan	N/A	Ksh 100,000 - Ksh 50,000,000 (not confirmed by the provider)	5-7 business days	Apply
KCB SME Term Loan	N/A	Ksh 1,000,000 - Ksh 50,000,000 (not confirmed by the provider)	7-14 working days	Apply

View all Business Loans →

📱

Mobile Money Loans

Product	Rate	Amount	Turnaround
KCB M-Pesa Loan	8.8% for 30 days, as published by Kenya Commercial Bank, checked 2026-11-13.	Ksh 50 - Ksh 1,000,000 (not confirmed by the provider)	Instant (0-30 seconds)	Apply

View all Mobile Money Loans →

🏠

Mortgages

Product	Rate	Amount	Turnaround
KCB Home Loan	N/A	Ksh 500,000 - Ksh 100,000,000 (not confirmed by the provider)	10-15 business days	Apply

View all Mortgages →

🏦

Savings Accounts

Product	Rate	Amount	Turnaround
KCB Goal Savings Account	N/A	N/A	N/A	Apply

View all Savings Accounts →

💼

Current Accounts

Product	Rate	Amount	Turnaround
KCB Current Account	0% p.a.	N/A	N/A	Apply

View all Current Accounts →

📈

Money Market Funds

Product	Rate	Amount	Turnaround
KCB Money Market Fund	N/A	N/A	N/A	Apply

View all Money Market Funds →

🎓

Education Loans

Product	Rate	Amount	Turnaround
KCB Masomo Education Loan	N/A	Ksh 50,000 - Ksh 3,000,000 (not confirmed by the provider)	24-48 hours	Apply

View all Education Loans →

💼

Payroll Loans

Product	Rate	Amount	Turnaround
KCB Salary Advance Loan	N/A	Ksh 10,000 - Ksh 500,000	24-48 hours	Apply

View all Payroll Loans →

🏦

Fixed Deposits

Product	Rate	Amount	Turnaround
KCB Bank Fixed Deposit Account	N/A	N/A	N/A	Apply

View all Fixed Deposits →

🚚

Asset Finance

Product	Rate	Amount	Turnaround
KCB Asset Based Finance	N/A	Ksh 500,000 - Ksh 100,000,000 (not confirmed by the provider)	5-10 working days	Apply

View all Asset Finance →

Kenya Commercial Bank Pros & Cons

+Pros

✓No early repayment penalties
✓Fast approval process
✓Competitive interest rate
✓Dedicated relationship manager
✓Flexible repayment terms
✓Competitive interest rates

-Cons

✗Credit score check required
✗Extensive documentation required
✗Comprehensive insurance mandatory (additional cost)
✗Requires collateral (fixed deposit or property)
✗Property valuation required
✗Higher minimum income requirement

Eligibility Requirements

Minimum Income (Lowest)

Ksh 30,000

CRB Check Required

Yes (some products)

Employment Types Accepted

SalariedSelf-employedBusiness ownerSalaried executivesBusiness ownersInvestorsPermanent employmentProfessionalsSelf-employed professionalsSMECorporateEmployedUnemployed with M-Pesa activityPermanently EmployedContract (6+ months)Registered businessSME ownerLimited companySole proprietorPartnership

Required Documents (across all products)

●Copy of ID/Passport
●KRA PIN Certificate
●Last 3 months payslips (if employed)
●Last 6 months bank statements
●Proforma invoice or car details
●Proof of business registration (if self-employed)
●Valid driving license
●Fixed deposit certificate or property title deed
●Property valuation report (if secured by property)
●Guarantor details (for loans above KES 500,000)

Expert Analysis

KCB Personal Loan stands out as one of the most competitive traditional bank offerings in Kenya's personal lending market. The 24-48 hour approval timeline is faster than most traditional banks, though still slower than digital lenders. Best suited for salaried employees with stable income who need larger loan amounts and prefer dealing with established institutions. The check-off facility makes repayment seamless for employed borrowers. However, self-employed applicants often face longer approval times and may need to provide additional documentation.

How they compare

Compared to Equity Personal Loan, KCB offers slightly lower rates but requires higher minimum income. Against digital lenders like Branch or Tala, KCB offers much larger loan amounts at lower rates, but the approval process takes longer and requires more documentation.

Frequently Asked Questions

What interest rates does Kenya Commercial Bank offer?

Kenya Commercial Bank offers interest rates ranging from 0% to 107.06666666666666% across their 23 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from Kenya Commercial Bank?

Kenya Commercial Bank offers loan amounts from Ksh 50 up to Ksh 100,000,000 depending on the product and your eligibility.

How fast does Kenya Commercial Bank disburse loans?

The fastest disbursement time from Kenya Commercial Bank is Instant (0-30 seconds). Actual processing time varies by product type and application completeness.

Does Kenya Commercial Bank require CRB clearance?

Yes, Kenya Commercial 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 Kenya Commercial Bank offer on PesaMarket?

Kenya Commercial Bank currently has 23 products listed on PesaMarket across 12 categories: Asset Finance, Business Loans, Credit Cards, Current Accounts, Education Loans, Fixed Deposits, Mobile Money Loans, Money Market Funds, Mortgages, Payroll Loans, Personal Loans, Savings Accounts.