Personal Loan
Kingdom Bank Personal Loan
Kingdom Bank
Last updated: April 16, 2026
Status unverified
★★★★★
0/5Based on 0 Reviews
Interest Rate
14.5% - 17% p.a.
Loan Amount
Ksh 50,000 - Ksh 3,000,000
Approval Time
48 hours
Processing Fee
KshNaN
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Backed by Co-operative Bank since 2020
- Accepts informal income (M-Pesa)
- Low minimum income of KES 20,000
- No early repayment penalty
- Strong micro-lending heritage (ex-Jamii Bora)
Cons
- Smaller bank with 17 branches
- Higher top rate of 17%
- Max 4-year tenure is restrictive
- Rebranding transition may confuse customers
Customer Reviews
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Product Details
Features
- Personal loans up to KES 3 million
- Formerly Jamii Bora Bank (rebranded 2020)
- Co-operative Bank subsidiary since 2020
- Focus on micro-lending and MSME
- Accepts M-Pesa statements as income
- Kingdom Bank Mobile App
- Women and youth dedicated products
- CRB positive reporting, KDIC cover
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 20,000/month
Employment: Employed, Self-employed, Business owner
Required Documents
- National ID
- KRA PIN
- 3 months payslips or M-Pesa statements
- 6 months bank statements
Repayment Options
Standing orderM-Pesa paybillBranch
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