Personal Loan
KCB Personal Secured Loan
Kenya Commercial Bank
Last updated: January 14, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
11% - 14% p.a.
Loan Amount
Ksh 100,000 - Ksh 20,000,000
Approval Time
2-5 working days
Processing Fee
1.5%
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Very competitive interest rates (11-14%)
- High loan amounts up to KES 20M
- Extended repayment period up to 7 years
- No early repayment penalties
- Fast approval process
- Lower processing fee at 1.5%
Cons
- Requires collateral (fixed deposit or property)
- Property valuation required
- Higher minimum income requirement
- Longer processing time for property-secured loans
Customer Reviews
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Product Details
Features
- Lower interest rates due to security provided
- Higher loan amounts up to KES 20M
- Longer repayment period up to 7 years
- Quick approval (24-48 hours)
- Can be secured against fixed deposit or property
- No early repayment penalties
- Direct disbursement to M-Pesa or bank account
- Flexible repayment options
Eligibility Requirements
Age: 21 - 70 years
Min Income: Ksh 40,000/month
Employment: Salaried, Self-employed, Business owner
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- Last 3 months payslips (if employed)
- Last 6 months bank statements
- Fixed deposit certificate or property title deed
- Property valuation report (if secured by property)
Repayment Options
Standing orderM-Pesa PaybillBranch paymentMobile bankingCheck-off (for salaried employees)
Ready to Apply?
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