Best Personal Loans in Kirinyaga 2026
Compare 17+ personal loans from 3+ banks in Kirinyaga County. 71% of adults have access to financial services.
Kirinyaga County Financial Overview
Kirinyaga County is known for rice production from Mwea Irrigation Scheme, coffee farming, and tourism around Mt. Kenya. The county has high agricultural productivity and active cooperatives.
Main Industries
Popular Financial Products
Banks Offering Personal Loans in Kirinyaga
Compare Personal Loans Available in Kirinyaga
ABSA Personal Loan
FeaturedABSA Bank Kenya
14% - 16.5%p.a.
KES 50,000 - KES 10,000,000
- ✓Loan amounts up to KES 10 million
- ✓Flexible repayment up to 6 years
ABSA Unsecured Check-Off Loan
FeaturedABSA Bank Kenya
13% - 16%p.a.
KES 50,000 - KES 5,000,000
- ✓No collateral required
- ✓Automatic salary deduction (check-off)
Co-op Bank Personal Loan
FeaturedCo-operative Bank of Kenya
13.5% - 15.5%p.a.
KES 50,000 - KES 5,000,000
- ✓Up to KES 5 million loan amount
- ✓Flexible repayment up to 5 years
DTB Personal Loan
Diamond Trust Bank
14% - 17%p.a.
KES 50,000 - KES 5,000,000
- ✓Personal loans up to KES 5 million
- ✓Competitive rates from 14% p.a.
Equity Personal Loan
FeaturedEquity Bank Kenya
13% - 16%p.a.
KES 50,000 - KES 5,000,000
- ✓Quick approval within 48 hours
- ✓Flexible repayment up to 5 years
Faulu Imara Loan
Faulu Microfinance Bank
9.5% - 34%p.a.
KES 10,000 - KES 3,000,000
- ✓Up to KES 3,000,000 loan amount
- ✓Terms up to 84 months (7 years)
I&M Personal Loan
FeaturedI&M Bank
14% - 18%p.a.
KES 100,000 - KES 10,000,000
- ✓Premium personal loans up to KES 10 million
- ✓Top-rated mobile banking app
KCB Personal Car Loan
FeaturedKenya Commercial Bank
13% - 15.5%p.a.
KES 300,000 - KES 15,000,000
- ✓Finance up to 100% of vehicle value
- ✓New and used vehicles accepted (up to 8 years old)
KCB Personal Loan
FeaturedKenya Commercial Bank
13.5% - 16.5%p.a.
KES 50,000 - KES 5,000,000
- ✓Quick approval (24-48 hours)
- ✓Flexible repayment terms (6-60 months)
KCB Personal Secured Loan
FeaturedKenya Commercial Bank
11% - 14%p.a.
KES 100,000 - KES 20,000,000
- ✓Lower interest rates due to security provided
- ✓Higher loan amounts up to KES 20M
KCB Personal Unsecured Loan
Kenya Commercial Bank
14.5% - 17.5%p.a.
KES 30,000 - KES 3,000,000
- ✓No collateral required
- ✓Fast approval (24-48 hours)
Letshego Personal Loan
Letshego Kenya
5.25% - 24%p.a.
KES 250 - KES 500,000
- ✓Kenya's largest credit-only MFI
- ✓APR from 5.25% - among lowest rates
Mogo Car Logbook Loan
Mogo Kenya
2.5% - 4%p.a.
KES 50,000 - KES 5,000,000
- ✓Borrow up to 70% of vehicle value
- ✓Keep driving your car
Mogo Personal Loan
FeaturedMogo Kenya
15% - 20%p.a.
KES 5,000 - KES 500,000
- ✓Quick mobile app approval
- ✓Flexible repayment options
NCBA Personal Loan
FeaturedNCBA Bank
12% - 18%p.a.
KES 50,000 - KES 7,000,000
- ✓Loan up to KES 7 million unsecured
- ✓Up to 90% of deposit for secured loans
Stanbic Personal Loan
FeaturedStanbic Bank Kenya
13% - 17%p.a.
KES 100,000 - KES 15,000,000
- ✓Loans up to KES 15 million
- ✓Long repayment period up to 7 years
Stanbic Personal Unsecured Loan
Stanbic Bank Kenya
14% - 17%p.a.
KES 50,000 - KES 4,000,000
- ✓No collateral required
- ✓Fast approval (48-72 hours)
Tips for Getting Personal Loans in Kirinyaga
- 💡Rice farmers in Mwea can access irrigation scheme financing
- 💡Coffee farmers have cooperative-linked financing options
- 💡SACCOs offer excellent rates for agricultural activities
- 💡Tourism businesses around Mt. Kenya can find business loans
How to Apply for Personal Loans in Kirinyaga
- Compare: Use PesaMarket to compare personal loans from 3+ banks
- Check eligibility: Review requirements for your preferred product - income, age, CRB status
- Gather documents: Prepare ID, KRA PIN, payslips or M-Pesa statements
- Apply: Visit a branch in Kerugoya or apply online through the bank's website/app
- Wait for approval: Most personal loans are processed within 24-72 hours
Frequently Asked Questions: Personal Loans in Kirinyaga
What are the best Personal Loans in Kirinyaga County?
The best personal loans in Kirinyaga include products from KCB, Equity Bank, Co-operative Bank. Interest rates start from around 12.0% p.a. depending on the product and your credit profile. Compare all 17+ options on PesaMarket to find the best fit for your needs.
How do I apply for personal loans in Kirinyaga?
To apply for personal loans in Kirinyaga: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Kerugoya or Kutus or apply online. 4) Submit required documents including ID, KRA PIN, and proof of income. Most applications are processed within 24-48 hours.
Which banks have branches in Kirinyaga County?
Major banks with branches in Kirinyaga include: KCB (4 branches - Kerugoya, Kutus, Wang'uru); Equity Bank (3 branches - Kerugoya, Kutus, Sagana); Co-operative Bank (3 branches - Kerugoya, Wang'uru). You can also access mobile banking and digital loans from anywhere in Kirinyaga.
What is the minimum salary to qualify for personal loans in Kirinyaga?
Minimum salary requirements for personal loans in Kirinyaga vary by provider. Most banks require a minimum monthly income of KES 15,000-30,000 for personal loans. Digital lenders like Branch, Tala, and M-Shwari have lower requirements. Self-employed individuals can qualify with 6+ months of M-Pesa statements or business records.
Are there personal loans without CRB check in Kirinyaga?
Some digital lenders in Kirinyaga offer personal loans with flexible CRB requirements. M-Shwari, Fuliza, and some app-based lenders may approve loans for first-time borrowers or those rebuilding credit. However, most banks will check your CRB status. You can check your CRB report for free once a year at any CRB bureau.
Personal Loans in Nearby Central Counties
Other Financial Products in Kirinyaga
Personal Loans in Kirinyaga's Major Towns
Whether you're in Kerugoya, Kutus, Sagana, Baricho, or any other part of Kirinyaga County, you can access personal loans from leading financial institutions. Kerugoya has the most bank branches, but mobile banking and digital loans are available across the entire Central region. Our platform helps you compare rates and find the best personal loans for your needs.
Ready to Apply?
Compare 17+ personal loans from top banks in Kirinyaga. Find the best rates and apply online today.