Personal Loan
NCBA Personal Loan
NCBA Bank
Last updated: December 16, 2025
★★★★★
0/5Based on 0 Reviews
Interest Rate
12% - 18% p.a.
Loan Amount
Ksh 50,000 - Ksh 7,000,000
Approval Time
24-48 hours
Processing Fee
KshNaN
Rating Breakdown
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Pros & Cons
Pros
- High loan amounts (up to KES 7M)
- Competitive interest rates
- Long repayment period (up to 6 years)
- No early repayment penalty
- Strong digital banking (NCBA Loop)
- Wide branch network
Cons
- Requires minimum income KES 30,000
- Processing fee of 2.5%
- Requires extensive documentation
- CRB check required
Customer Reviews
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Product Details
Features
- Loan up to KES 7 million unsecured
- Up to 90% of deposit for secured loans
- Competitive rates from 12% p.a.
- Repayment up to 72 months
- No early repayment penalty
- Loan protection insurance included
- Apply via NCBA Loop app or branches
- Salary processing benefit
- Quick turnaround time
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 30,000/month
Employment: Employed, Self-employed, Business owners
Required Documents
- National ID
- KRA PIN
- 3 months payslips
- Bank statements
- Employment letter
Repayment Options
Standing orderM-PesaSalary deduction
Ready to Apply?
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