Home/Lenders/Kenya Commercial Bank

23 Products🏢 Business Loans💳 Credit Cards💼 Current Accounts🎓 Education Loans📱 Mobile Money Loans🏠 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	13% - 15.5%	Ksh 300,000 - Ksh 15,000,000	2-4 working days	Apply
KCB Personal Loan	13.5% - 16.5%	Ksh 50,000 - Ksh 5,000,000	1-3 working days	Apply
KCB Personal Secured Loan	11% - 14%	Ksh 100,000 - Ksh 20,000,000	2-5 working days	Apply
KCB Personal Unsecured Loan	14.5% - 17.5%	Ksh 30,000 - Ksh 3,000,000	1-3 working days	Apply

View all Personal Loans →

💳

Credit Cards

Product	Rate	Amount	Turnaround
KCB Classic Visa Credit Card	3.5%	N/A	5-7 working days	Apply
KCB Gold Credit Card	3.5%	N/A	7-10 working days	Apply
KCB Infinite Credit Card	18.5%	N/A	1-3 working days	Apply
KCB Gold MasterCard	23%	N/A	7-10 working days	Apply
KCB Platinum Credit Card	3.5%	N/A	7-10 business days	Apply
KCB Visa Signature Credit Card	22%	N/A	7-10 working days	Apply
KCB World Elite Credit Card	20.5%	N/A	5-7 working days	Apply

View all Credit Cards →

🏢

Business Loans

Product	Rate	Amount	Turnaround
KCB Boresha Biashara Loan	13.5% - 16%	Ksh 50,000 - Ksh 5,000,000	2-5 working days	Apply
KCB Business Loan	13% - 18%	Ksh 100,000 - Ksh 50,000,000	5-7 business days	Apply
KCB SME Term Loan	12.5% - 15.5%	Ksh 1,000,000 - Ksh 50,000,000	7-14 working days	Apply

View all Business Loans →

📱

Mobile Money Loans

Product	Rate	Amount	Turnaround
KCB M-Pesa Loan	8.88%	Ksh 50 - Ksh 1,000,000	Instant (0-30 seconds)	Apply

View all Mobile Money Loans →

🏠

Mortgages

Product	Rate	Amount	Turnaround
KCB Home Loan	11.5% - 13.5%	Ksh 500,000 - Ksh 100,000,000	10-15 business days	Apply

View all Mortgages →

🏦

Savings Accounts

Product	Rate	Amount	Turnaround
KCB Goal Savings Account	6.5%	N/A	N/A	Apply
KCB Goal Savings Account	6.5%	N/A	N/A	Apply

View all Savings Accounts →

💼

Current Accounts

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

View all Current Accounts →

🎓

Education Loans

Product	Rate	Amount	Turnaround
KCB Masomo Education Loan	13%	Ksh 50,000 - Ksh 3,000,000	24-48 hours	Apply
KCB Masomo Education Loan	13%	Ksh 50,000 - Ksh 3,000,000	24-48 hours	Apply

View all Education Loans →

💼

Payroll Loans

Product	Rate	Amount	Turnaround
KCB Salary Advance Loan	13% - 15%	Ksh 10,000 - Ksh 5,000,000	24-48 hours	Apply

View all Payroll Loans →

Kenya Commercial Bank Pros & Cons

+Pros

✓No early repayment penalties
✓No monthly fees
✓Strong bank reputation
✓Fast approval process
✓Competitive interest rate
✓Dedicated relationship manager

-Cons

✗Credit score check required
✗Processing fee of 2.5%
✗Extensive documentation required
✗KES 50 withdrawal fee
✗KES 1,000 minimum
✗No interest earned

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Yes (some products)

Employment Types Accepted

SalariedSelf-employedBusiness ownerSalaried executivesBusiness ownersInvestorsPermanent employmentProfessionalsSelf-employed professionalsSMECorporateEmployedUnemployed with M-Pesa activityPermanently EmployedContract (6+ months)

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. With rates starting at 13.5% p.a., it undercuts many competitors while offering loan amounts up to KES 5 million. 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. The 2.5% processing fee is standard for the industry but can add up on larger loans.

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 23% 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 9 categories: Business Loans, Credit Cards, Current Accounts, Education Loans, Mobile Money Loans, Mortgages, Payroll Loans, Personal Loans, Savings Accounts.