Personal Loan
KCB Personal Unsecured Loan
Kenya Commercial Bank
Last updated: January 14, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
14.5% - 17.5% p.a.
Loan Amount
Ksh 30,000 - Ksh 3,000,000
Approval Time
1-3 working days
Processing Fee
3%
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- No collateral required
- Fast approval within 24-48 hours
- Flexible loan amounts from KES 30,000
- No early repayment penalties
- Top-up facility available
- Skip payment option once per year
Cons
- Higher interest rates (14.5-17.5%)
- Processing fee of 3%
- Credit score check required
- Guarantor needed for loans above KES 500,000
- Limited to KES 3M maximum
Customer Reviews
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Product Details
Features
- No collateral required
- Fast approval (24-48 hours)
- Flexible repayment terms (3-48 months)
- Direct disbursement to M-Pesa or bank account
- Top-up facility for existing customers
- Skip one payment per year option
- Multiple repayment channels
- Competitive rates for existing customers
Eligibility Requirements
Age: 21 - 65 years
Min Income: Ksh 25,000/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
- Proof of business registration (if self-employed)
- Guarantor details (for loans above KES 500,000)
Repayment Options
Standing orderM-Pesa PaybillBranch paymentMobile bankingCheck-off (for salaried employees)
Ready to Apply?
Get started with KCB Personal Unsecured Loan today. Fast approval and competitive rates.
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