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🇰🇪 PROUDLY KENYAN

Personal Loans in Kenya

Compare personal loans from KCB, Equity, Co-op, and digital lenders. Get the best rates and fastest approval.

Reviewed byPesaMarket
|Last verified: Apr 16, 2026

There are 32 personal loans available in Kenya with interest rates from 2.5% to 34% per annum. Amounts range from KES 250 to KES 20,000,000. PesaMarket updates this data regularly.

Provider list verified against the CBK Directory of Licensed Digital Credit Providers as of 16/04/2026.

Showing 10 of 10 products

High-income earners needing large loans

ABSA Personal Loan

ABSA Bank Kenya

Interest Rate
Average rate
14-17%
per annum
Max Amount
KES 10000K
Approval Time
2-3 business days
Processing Fee
2.5%
  • Loan amounts up to KES 10 million
  • Flexible repayment up to 6 years
Apply Now
Salaried employees

ABSA Unsecured Check-Off Loan

ABSA Bank Kenya

Interest Rate
Average rate
13-16%
per annum
Max Amount
KES 5000K
Approval Time
1-3 working days
Processing Fee
2.5%
  • No collateral required
  • Automatic salary deduction (check-off)
Apply Now
Cooperative society members

Co-op Bank Personal Loan

Co-operative Bank of Kenya

Interest Rate
Average rate
14-16%
per annum
Max Amount
KES 5000K
Approval Time
2-3 business days
Processing Fee
2%
  • Up to KES 5 million loan amount
  • Flexible repayment up to 5 years
Apply Now
SME owners

DTB Personal Loan

Diamond Trust Bank

Status unverified
Interest Rate
Average rate
14-17%
per annum
Max Amount
KES 5000K
Approval Time
24-72 hours
Processing Fee
2%
  • Personal loans up to KES 5 million
  • Competitive rates from 14% p.a.
Apply Now
Debt consolidation

Equity Personal Loan

Equity Bank Kenya

Interest Rate
Average rate
13-16%
per annum
Max Amount
KES 5000K
Approval Time
1-2 working days
Processing Fee
2%
  • Quick approval within 48 hours
  • Flexible repayment up to 5 years
Apply Now
High-income professionals

I&M Personal Loan

I&M Bank

Status unverified
Interest Rate
Average rate
14-18%
per annum
Max Amount
KES 10000K
Approval Time
24-48 hours
Processing Fee
2%
  • Premium personal loans up to KES 10 million
  • Top-rated mobile banking app
Apply Now
Purchasing new vehicles

KCB Personal Car Loan

Kenya Commercial Bank

Status unverified
Interest Rate
Average rate
13-16%
per annum
Max Amount
KES 15000K
Approval Time
2-4 working days
Processing Fee
2%
  • Finance up to 100% of vehicle value
  • New and used vehicles accepted (up to 8 years old)
Apply Now
Emergency expenses

KCB Personal Loan

Kenya Commercial Bank

Interest Rate
Average rate
14-17%
per annum
Max Amount
KES 5000K
Approval Time
1-3 working days
Processing Fee
2.5%
  • Quick approval (24-48 hours)
  • Flexible repayment terms (6-60 months)
Apply Now
Large personal expenses

KCB Personal Secured Loan

Kenya Commercial Bank

Interest Rate
21% below average
11-14%
per annum
Max Amount
KES 20000K
Approval Time
2-5 working days
Processing Fee
1.5%
  • Lower interest rates due to security provided
  • Higher loan amounts up to KES 20M
Apply Now
Emergency expenses

KCB Personal Unsecured Loan

Kenya Commercial Bank

Interest Rate
Average rate
15-18%
per annum
Max Amount
KES 3000K
Approval Time
1-3 working days
Processing Fee
3%
  • No collateral required
  • Fast approval (24-48 hours)
Apply Now
Showing top 10 of 32 products. Use filters above to narrow your match.

Expert Advice

Always compare at least 3 lenders before committing to a personal loan. The difference between the cheapest and most expensive personal loan in Kenya can be over 20% in total cost.

P
PesaMarket Research Team

Financial Analysis

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