Personal Loan
Consolidated Bank Personal Loan
Consolidated Bank of Kenya
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
15% - 17% p.a.
Loan Amount
Ksh 50,000 - Ksh 3,000,000
Approval Time
3-5 working days
Processing Fee
KshNaN
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Strong government payroll check-off relationships
- Trusted state-owned institution
- Low minimum income of KES 20,000
- No early repayment penalty
- Dedicated civil servant lending window
Cons
- Higher top rate of 17%
- Limited to 4-year maximum tenure
- Bureaucratic approval process
- 2.5% processing fee above market norm
- Digital platform lags competitors
Customer Reviews
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Product Details
Features
- Personal loans up to KES 3 million
- State-owned bank (Treasury is majority shareholder)
- Check-off facility for government employees
- Civil servant-focused lending products
- Conso Mobile Banking
- Branch network of 17 locations
- SACCO and government payroll deductions
- CRB reporting and KDIC insurance
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 20,000/month
Employment: Employed, Civil servant, Self-employed
Required Documents
- National ID
- KRA PIN
- 3 months payslips
- Bank statements
- Employer introduction letter
Repayment Options
Check-offStanding orderPayroll deduction
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