Personal Loan
Stanbic Personal Unsecured Loan
Stanbic Bank Kenya
Last updated: January 14, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
14% - 17% p.a.
Loan Amount
Ksh 50,000 - Ksh 4,000,000
Approval Time
2-4 working days
Processing Fee
3%
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- No collateral required
- Fast approval (48-72 hours)
- High loan amounts up to KES 4M
- Digital application available
- No early repayment penalties
- Free financial advisory
Cons
- Higher interest rates (14-17%)
- Processing fee of 3%
- Higher minimum income (KES 40,000)
- Credit score check required
- 12 months employment history needed
Customer Reviews
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Product Details
Features
- No collateral required
- Fast approval (48-72 hours)
- Flexible repayment terms up to 5 years
- Direct disbursement to account or M-Pesa
- Top-up facility for existing customers
- Multiple repayment channels
- Competitive rates for premium customers
- No early repayment penalties
- Free financial advisory service
- Digital application via Stanbic app
Eligibility Requirements
Age: 21 - 65 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
- Employment letter/contract
- Proof of business registration (if self-employed)
- Business financial statements (if self-employed)
Repayment Options
Standing orderM-Pesa PaybillBranch paymentStanbic Mobile appCheck-off (for salaried employees)
Ready to Apply?
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