Personal Loan
Quick access to funds for emergencies, education, or personal projects. Borrow up to KES 5 million with competitive rates from 13% p.a. and 48-hour processing.
Key Features
- Borrow up to KES 5,000,000
- Competitive rate from 13% p.a.
- Tenure up to 60 months
- 48-hour loan processing
- No collateral required up to KES 2M
- Credit life insurance included
Rates & Charges
- Interest Rate: 13% - 16% p.a.
- Processing Fee: 2.5%
- Early Repayment: No penalty
- Insurance Premium: 0.5% p.a.
Eligibility Requirements
- Salaried employees with 6+ months employment
- Minimum gross salary KES 30,000
- Age 21-58 years
- Clean credit record (CRB check)
- Check-off arrangement with employer
Required Documents
- 📋 National ID or Passport — Bring to branch
- 📋 Latest 3 months payslips — Bring to branch
- 📋 KRA PIN Certificate — Bring to branch
- 📋 6 months bank statements — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
How fast will I receive the funds?
Can I make extra payments without penalty?
What is the maximum loan amount for unsecured loans?
Terms & Conditions
Personal Loan facilities are subject to credit assessment and approval. The Bank uses the Credit Reference Bureau (CRB) to verify creditworthiness. Loan amounts, tenure, and interest rates are determined based on the applicant's income, employment stability, and credit history.Credit life insurance is mandatory and covers the outstanding loan balance in the event of death or permanent disability. Missed payments will be reported to the CRB and may attract additional penalty interest of 3% above the contract rate.
Ready to Get Started?
Open your Personal Loan today. Visit any branch or apply online.
Apply for Personal Loan
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