Comprehensive statistics on lending, interest rates, and financial access in Kenya. Updated monthly with data from CBK, banks, and mobile lenders.
Source: Central Bank of Kenya (November 2025), PesaMarket aggregated data
| Loan Type | Min Rate | Avg Rate | Max Rate |
|---|---|---|---|
| Personal Loans (Banks) | 12.0% | 14.5% | 24.0% |
| Business Loans | 13.0% | 16.2% | 26.0% |
| Mortgages | 11.5% | 13.8% | 16.5% |
| Credit Cards | 0% | 18.0% | 24.0% |
| Mobile Loans (Annual) | 36% | 120% | 365% |
| Logbook Loans | 24% | 36% | 48% |
Note: Mobile loan rates shown as annualized. Actual fees vary by provider. Data as of November 2025.
Rates for salaried employees with check-off. Rates may vary based on credit score and employer.
68% of CRB listings are for amounts under KES 5,000, primarily from mobile lenders. The 2023 CRB clearance campaign removed 540,000 people from negative listings.
Source: FinAccess 2024 Survey
Source: FSD Kenya 2024
This data is free to use with attribution. Please cite as:
This report aggregates data from multiple sources including the Central Bank of Kenya (CBK), individual bank rate sheets, mobile lending apps, Credit Reference Bureaus, and our own platform data from user interactions.
Interest rates are updated weekly. Market statistics are updated monthly. For corrections or data inquiries, contact: data@pesamarket.com
Disclaimer: This data is provided for informational purposes only. Actual rates and terms may vary. Always verify with the financial institution directly.