Personal Loan
Sidian Personal Loan
Sidian Bank
Last updated: April 16, 2026
Status unverified
★★★★★
0/5Based on 0 Reviews
Interest Rate
15% - 17% p.a.
Loan Amount
Ksh 50,000 - Ksh 3,000,000
Approval Time
24-48 hours
Processing Fee
KshNaN
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Accepts M-Pesa statements for informal earners
- Fast 24-48 hour disbursement
- Low minimum income of KES 20,000
- Dedicated MSE and women-in-business programs
- Includes financial literacy training
Cons
- Higher rates than Tier 1 banks (from 15%)
- Lower loan ceiling of KES 3 million
- 2.5% processing fee above market average
- Limited to 5-year maximum tenure
Customer Reviews
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Product Details
Features
- Personal loans up to KES 3 million
- MSE-focused lender (Micro and Small Enterprise)
- Accepts M-Pesa statements as income proof
- Sidian Mobile Banking App
- Women-in-business lending programs
- Short approval times for existing clients
- Free financial literacy training
- CRB reporting for credit history building
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 20,000/month
Employment: Employed, Self-employed, MSE owner
Required Documents
- National ID
- KRA PIN
- 3 months payslips or M-Pesa statements
- Business registration (if self-employed)
- 6 months bank statements
Repayment Options
Standing orderM-Pesa paybillBranch
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