Kenya Commercial Bank
Compare all 23 products from Kenya Commercial Bank in Kenya. Rates from 0%. Borrow up to Ksh 100,000,000.
Personal Loans
4Credit Cards
7Business Loans
3Kenya 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
- ✗Processing fee of 2.5%
- ✗Extensive documentation required
- ✗Higher minimum income requirement (KES 50,000)
- ✗Comprehensive insurance mandatory (additional cost)
- ✗Processing fee of 2%
Eligibility Requirements
- ●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.
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 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.
Apply Now
Visit Kenya Commercial Bank to explore their products and apply online.
Visit Kenya Commercial BankProducts Available
Compare Kenya Commercial Bank With
Best For
- ✓Debt consolidation
- ✓Building credit history
- ✓Frequent travelers
- ✓Emergency expenses
- ✓Home improvements
- ✓Wedding expenses
Compare Kenya Commercial Bank with 4+ Other Lenders
Browse all lenders on PesaMarket to find the best rates and terms for your needs.