Home/Lenders/NCBA Bank

15 Products🚚 Asset Finance🏢 Business Loans💳 Credit Cards💼 Current Accounts⚡ Fast Loans🏦 Fixed Deposits🏠 Mortgages💼 Payroll Loans💰 Personal Loans🏦 Savings Accounts

NCBA Bank

Compare all 15 products from NCBA Bank in Kenya. Rates from 0%. Borrow up to Ksh 150,000,000.

Lowest Rate

Ksh 150,000,000

Max Amount

Instant

Fastest Disbursement

Total Products

Personal Loans

Product	Rate	Amount	Turnaround
NCBA Personal Loan	12% - 18%	Ksh 50,000 - Ksh 7,000,000	24-48 hours	Apply

View all Personal Loans→

💳

Credit Cards

Product	Rate	Amount	Turnaround
NCBA Classic Credit Card	23.5%	N/A	7-10 working days	Apply
NCBA Gold Credit Card	21%	N/A	7-10 working days	Apply
NCBA Infinite Credit Card	16%	N/A	1-3 working days	Apply
NCBA Platinum Credit Card	19.5%	N/A	5-7 working days	Apply
NCBA Signature Credit Card	17.5%	N/A	3-5 working days	Apply

View all Credit Cards→

🏢

Business Loans

Product	Rate	Amount	Turnaround
NCBA Business Loan	14% - 18%	Ksh 500,000 - Ksh 50,000,000	7-14 days	Apply

View all Business Loans→

🏠

Mortgages

Product	Rate	Amount	Turnaround
NCBA Home Loan	12.5% - 15%	Ksh 2,000,000 - Ksh 80,000,000	14-21 business days	Apply

View all Mortgages→

🏦

Savings Accounts

Product	Rate	Amount	Turnaround
NCBA Group Savings Account	4%	N/A	N/A	Apply

View all Savings Accounts→

⚡

Fast Loans

Product	Rate	Amount	Turnaround
MoKash Instant Loan	9%	Ksh 500 - Ksh 150,000	Instant	Apply
MoKash Instant Loan	9%	Ksh 500 - Ksh 150,000	Instant	Apply

View all Fast Loans→

💼

Current Accounts

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

View all Current Accounts→

💼

Payroll Loans

Product	Rate	Amount	Turnaround
NCBA Payroll Loan	14% - 16%	Ksh 50,000 - Ksh 7,000,000	48-72 hours	Apply

View all Payroll Loans→

🏦

Fixed Deposits

Product	Rate	Amount	Turnaround
NCBA Fixed Deposit Account	6.5% - 9%	N/A	N/A	Apply

View all Fixed Deposits→

🚚

Asset Finance

Product	Rate	Amount	Turnaround
NCBA Asset Finance	13% - 15%	Ksh 500,000 - Ksh 150,000,000	5-10 working days	Apply

View all Asset Finance→

NCBA Bank Pros & Cons

+Pros

✓Competitive interest rate
✓Highest credit limit
✓Best-in-class rewards
✓Dedicated relationship managers
✓Wide branch network (60+ branches)
✓Instant disbursement

-Cons

✗Only for MTN users
✗9% facility fee is higher than some competitors
✗Short repayment period
✗Penalty for late payment
✗Requires minimum income KES 30,000
✗Processing fee of 2.5%

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Yes (some products)

Employment Types Accepted

EmployedSelf-employedBusiness ownersSalariedSalaried executivesInvestorsSelf-employed professionalsAny MTN Mobile Money userPermanently EmployedContract (12+ months)Business ownerRegistered companyCorporate

Required Documents (across all products)

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

Expert Analysis

NCBA Bank / MTN is a CBK-licensed Digital Credit Provider, operating under Kenya's 2022 DCP Regulations. Loans run from KES 500 to KES 150,000 with repayment terms of 7-30 days. Disbursement is via MTN Mobile Money - instant. Rates are not published upfront: pricing tiers by CRB band, loan size, and repayment history, and the full total cost of credit is disclosed before acceptance per CBK's Digital Credit Provider rules. Fees: no early-repayment penalty.

Frequently Asked Questions

What interest rates does NCBA Bank offer?

NCBA Bank offers interest rates ranging from 0% to 23.5% across their 15 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from NCBA Bank?

NCBA Bank offers loan amounts from Ksh 500 up to Ksh 150,000,000 depending on the product and your eligibility.

How fast does NCBA Bank disburse loans?

The fastest disbursement time from NCBA Bank is Instant. Actual processing time varies by product type and application completeness.

Does NCBA Bank require CRB clearance?

Yes, NCBA 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 NCBA Bank offer on PesaMarket?

NCBA Bank currently has 15 products listed on PesaMarket across 10 categories: Asset Finance, Business Loans, Credit Cards, Current Accounts, Fast Loans, Fixed Deposits, Mortgages, Payroll Loans, Personal Loans, Savings Accounts.