Home/Lenders/NCBA Bank

10 Products🏢 Business Loans💳 Credit Cards⚡ Fast Loans💼 Payroll Loans💰 Personal Loans

NCBA Bank

Compare all 10 products from NCBA Bank in Kenya. Rates from 9%. Borrow up to Ksh 50,000,000.

Lowest Rate

Ksh 50,000,000

Max Amount

Instant

Fastest Disbursement

Total Products

Personal Loans

Product	Rate	Amount	Turnaround
NCBA Personal Loan	12% - 18%	Ksh 50,000 - Ksh 7,000,000	24-48 hours	Apply

View all Personal Loans →

💳

Credit Cards

Product	Rate	Amount	Turnaround
NCBA Classic Credit Card	23.5%	N/A	7-10 working days	Apply
NCBA Gold Credit Card	21%	N/A	7-10 working days	Apply
NCBA Infinite Credit Card	16%	N/A	1-3 working days	Apply
NCBA Platinum Credit Card	19.5%	N/A	5-7 working days	Apply
NCBA Signature Credit Card	17.5%	N/A	3-5 working days	Apply

View all Credit Cards →

🏢

Business Loans

Product	Rate	Amount	Turnaround
NCBA Business Loan	14% - 18%	Ksh 500,000 - Ksh 50,000,000	7-14 days	Apply

View all Business Loans →

⚡

Fast Loans

Product	Rate	Amount	Turnaround
MoKash Instant Loan	9%	Ksh 500 - Ksh 150,000	Instant	Apply
MoKash Instant Loan	9%	Ksh 500 - Ksh 150,000	Instant	Apply

View all Fast Loans →

💼

Payroll Loans

Product	Rate	Amount	Turnaround
NCBA Payroll Loan	14% - 16%	Ksh 50,000 - Ksh 7,000,000	48-72 hours	Apply

View all Payroll Loans →

NCBA Bank Pros & Cons

+Pros

✓Competitive interest rate
✓Highest credit limit
✓Best-in-class rewards
✓Dedicated relationship managers
✓Instant disbursement
✓No CRB check

-Cons

✗Only for MTN users
✗9% facility fee is higher than some competitors
✗Short repayment period
✗Penalty for late payment
✗Requires minimum income KES 30,000
✗Processing fee of 2.5%

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

EmployedSelf-employedBusiness ownersSalariedSalaried executivesInvestorsSelf-employed professionalsAny MTN Mobile Money userPermanently EmployedContract (12+ months)

Required Documents (across all products)

●National ID
●KRA PIN
●3 months payslips
●Bank statements
●Employment letter
●Copy of ID/Passport
●KRA PIN Certificate
●Recent payslips
●Last 3 months payslips
●Last 6 months bank statements

Frequently Asked Questions

What interest rates does NCBA Bank offer?

NCBA Bank offers interest rates ranging from 9% to 23.5% across their 10 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from NCBA Bank?

NCBA Bank offers loan amounts from Ksh 500 up to Ksh 50,000,000 depending on the product and your eligibility.

How fast does NCBA Bank disburse loans?

The fastest disbursement time from NCBA Bank is Instant. Actual processing time varies by product type and application completeness.

Does NCBA Bank require CRB clearance?

NCBA Bank does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.

How many products does NCBA Bank offer on PesaMarket?

NCBA Bank currently has 10 products listed on PesaMarket across 5 categories: Business Loans, Credit Cards, Fast Loans, Payroll Loans, Personal Loans.