Personal Loan

Co-op Bank Personal Loan

Co-operative Bank of Kenya

Last updated: October 29, 2025

★★★★★

0/5

Based on 0 reviews

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Interest Rate

13.5% - 15.5% p.a.

Loan Amount

Ksh 50,000 - Ksh 5,000,000

Approval Time

2-3 business days

Processing Fee

2%%

Rating Breakdown

5★

(0)

4★

(0)

3★

(0)

2★

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1★

(0)

Total: 0 reviews

Pros & Cons

Pros

Competitive interest rates starting at 13.5%
No collateral required up to KES 1M
Quick 48-hour approval
Flexible repayment up to 5 years
Cooperative member benefits and discounts
Large loan amounts up to KES 5M
170+ branches for easy access
Free credit life insurance included
Strong customer service reputation

Cons

2% processing fee
CRB clearance required
6-month minimum account relationship preferred
Higher minimum loan amount (KES 50,000)

Customer Reviews

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Product Details

Features

Up to KES 5 million loan amount
Flexible repayment up to 5 years
Competitive interest rates from 13.5%
No collateral required for amounts up to KES 1 million
Quick approval within 48 hours
Top-up facility available
Free credit life insurance
Partial early repayment allowed
Direct salary deduction option
Available at all 170+ branches

Eligibility Requirements

Age: 21 - 65 years

Min Income: Ksh 25,000/month

Employment: Permanent employment, Self-employed, Business owner, Cooperative member

Required Documents

National ID or Passport
KRA PIN Certificate
Latest 3 months payslips
Bank statements (6 months)
Employment contract
CRB report clearance

Repayment Options

Standing orderCheck-off (salary deduction)M-Pesa PaybillBank transferBranch paymentMCo-op Cash app

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Application takes less than 10 minutes

ABSA Unsecured Check-Off Loan

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Real experiences from Kenyan borrowers
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Pros & Cons

Pros

Competitive interest rates starting at 13.5%
No collateral required up to KES 1M
Quick 48-hour approval
Flexible repayment up to 5 years
Cooperative member benefits and discounts
Large loan amounts up to KES 5M
170+ branches for easy access
Free credit life insurance included
Strong customer service reputation

Cons

2% processing fee
CRB clearance required
6-month minimum account relationship preferred
Higher minimum loan amount (KES 50,000)

Share Your Experience

Product Details

Features

Up to KES 5 million loan amount
Flexible repayment up to 5 years
Competitive interest rates from 13.5%
No collateral required for amounts up to KES 1 million
Quick approval within 48 hours
Top-up facility available
Free credit life insurance
Partial early repayment allowed
Direct salary deduction option
Available at all 170+ branches

Eligibility Requirements

Age: 21 - 65 years

Min Income: Ksh 25,000/month

Employment: Permanent employment, Self-employed, Business owner, Cooperative member

Required Documents

National ID or Passport
KRA PIN Certificate
Latest 3 months payslips
Bank statements (6 months)
Employment contract
CRB report clearance

Repayment Options

Standing orderCheck-off (salary deduction)M-Pesa PaybillBank transferBranch paymentMCo-op Cash app

Co-op Bank Personal Loan

Rating Breakdown

Pros & Cons

Pros

Cons

Customer Reviews

No reviews yet

Share Your Experience

Product Details

Features

Eligibility Requirements

Required Documents

Repayment Options

Ready to Apply?

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Why Trust Our Reviews?

Co-op Bank Personal Loan

Rating Breakdown

Pros & Cons

Pros

Cons

Customer Reviews

No reviews yet

Share Your Experience

Product Details

Features

Eligibility Requirements

Required Documents

Repayment Options

Ready to Apply?

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Why Trust Our Reviews?