Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

Loan amount KSh10,000

KSh1kKSh100k

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Watu Gari

Watu Gari Car Finance

APR 20.0%

This service is best for Kenyan residents looking to buy a car with minimal upfront costs.

KSh200k–KSh5M 12–48 months ⚡ 48 hours

Watu Gari provides a solid option for those needing substantial car financing quickly.

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Stanbic Bank

Stanbic Affordable Housing Loan

APR 8.99%

This loan is best for first-time homebuyers looking for affordable housing solutions with predictable monthly payments and interest rates.

Up to KSh10

The Stanbic Affordable Housing Loan offers a competitive fixed rate, making it an attractive option for homebuyers in Kenya. However, potential borrowers should consider their overall financial situation before applying.

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KCB M-PESA

KCB M-PESA Loan

APR 88.0%

Ideal for individuals needing quick cash with a flexible repayment plan based on their savings and payment history.

KSh50–KSh150k 3–6 months ⚡ Instant

The KCB M-PESA loan offers a convenient way to access funds instantly through your mobile phone. However, borrowers should carefully consider the fees and repayment terms.

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KCB Bank

KCB Car Loan

APR 14.0%

This loan is best for individuals looking to finance up to 90% of a vehicle's value, with flexible repayment options.

KSh500k 12–60 months ⚡ Quick processing through KCB branches

KCB Car Loan offers substantial financing options for vehicle buyers, making it a viable choice for many Kenyans.

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KCB Bank

KCB Bank Personal Loan

APR 15.0%

This loan is best for employed individuals seeking quick access to funds without collateral, especially those with a regular salary.

KSh10k–KSh5M 12–72 months ⚡ 2-5 business days

KCB Bank offers a reliable unsecured personal loan option for salaried individuals, but borrowers should be aware of the associated interest rates.

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Diamond Trust Bank

DTB Car Finance

APR 13.0%

This financing solution is ideal for Kenyan residents looking for straightforward car loans with manageable repayment terms.

KSh500k 12–72 months ⚡ 3-5 business days

With an APR ranging from 13% to 17%, DTB Car Finance provides a decent option for car buyers in Kenya.

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DTB Kenya

DTB Personal Loan

APR 14.0%

This loan is best for individuals seeking both secured and unsecured options, particularly those who value a trusted bank with a regional presence.

KSh50k–KSh3M 12–60 months ⚡ 2-5 business days

DTB offers competitive personal loan options with flexible terms, making it a solid choice for many borrowers in Kenya.

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I&M Bank

I&M Bank Car Loan

APR 14.0%

Best for Kenyan residents looking for substantial financing options, with loans ranging from KES 500,000 to KES 10,000,000.

KSh500k 12–48 months ⚡ 3-5 business days

I&M Bank offers competitive car loan terms but be prepared for a required 20% deposit.

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Co-operative Bank

Co-operative Bank Personal Loan

APR 15.0%

This loan is ideal for individuals seeking a reliable financing option with manageable repayment terms, particularly if you receive your salary through check-off.

KSh10k–KSh5M 12–72 months ⚡ 2-5 business days

The Co-operative Bank Personal Loan offers competitive terms for employed borrowers, especially those in the cooperative and SACCO sectors.

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Stanbic Bank Kenya

Stanbic Bank Vehicle Loan

APR 13.0%

It's best for Kenyan citizens or residents looking for significant financing to purchase a vehicle.

KSh500k 12–60 months ⚡ 3-5 business days

This vehicle loan provides substantial funding options for buyers, but the interest rates can be on the higher side.

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Standard Chartered Kenya

Standard Chartered Kenya Personal Loan

APR 12.0%

This loan is best for individuals seeking significant funding without collateral and those wanting the security of retrenchment cover.

KSh50k–KSh7M 12–72 months ⚡ 2-3 business days

The Standard Chartered Kenya Personal Loan offers competitive rates and a flexible repayment period, making it a viable option for many borrowers.

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MOGO Kenya

MOGO Car Loan Kenya

APR 18.0%

This loan is best for Kenyan citizens or residents looking to purchase vehicles of any age or model with minimal down payment requirements.

KSh100k–KSh2.5M 6–48 months ⚡ Fast approval, same-day disbursement possible

MOGO provides accessible car financing options with fast disbursement, making it a reliable choice for quick funding.

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National Bank of Kenya

National Bank of Kenya Personal Loan

APR 14.0%

This loan is best for individuals seeking unsecured financing with flexible repayment terms, especially those with stable salaries.

KSh50k–KSh3M 12–60 months ⚡ 2-5 business days

The National Bank of Kenya offers a reasonable personal loan option for salaried employees, but borrowers should assess their financial situation carefully.

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Equity Bank

Equity Bank Personal Loan

APR 14.0%

This loan is best for individuals looking for both secured and unsecured options at a lower interest rate, especially following the recent CBK rate cuts.

KSh10k–KSh5M 12–72 months ⚡ 1-3 business days

Equity Bank offers competitive personal loan options with flexible rates and terms, making it a solid choice for many borrowers.

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Branch

Branch Personal Loan

APR 24.0%

This loan is ideal for individuals needing immediate cash for personal emergencies or unexpected expenses.

KSh250–KSh70k 3–12 months ⚡ Minutes

Branch Personal Loan offers quick and flexible financing options, but users should be cautious of varying interest rates.

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Stanbic Bank Kenya

Stanbic Bank Unsecured Personal Loan

APR 11.0%

This loan is ideal for individuals needing immediate funds without collateral, especially for personal emergencies or significant expenses.

KSh50k–KSh5M 12–72 months ⚡ 2-5 business days

Stanbic Bank offers a flexible personal loan option with quick approval, but potential borrowers should consider interest rates and repayment terms carefully.

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Family Bank

Family Bank Personal Loan

APR 15.0%

This loan is best suited for individuals and businesses in semi-urban and rural Kenya looking for reliable funding options.

KSh10k–KSh3M 12–60 months ⚡ 2-5 business days

The Family Bank Personal Loan offers accessible financing for SMEs and middle-income earners, but its interest rates are higher than average.

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Ecobank Kenya

Ecobank Kenya Personal Loan

APR 11.0%

This loan is ideal for individuals looking for flexible repayment options and relatively low interest rates in the Kenyan market.

KSh20k–KSh3M 12–60 months ⚡ 2-5 business days

Ecobank offers competitive personal loan rates, making it a solid option for those seeking financial assistance. However, borrowers should carefully consider the terms and conditions before proceeding.

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Zenka

Zenka Personal Loan: Quick Mobile Loans

APR 0.0%

This loan is ideal for individuals needing fast cash for emergencies or unexpected expenses, especially those familiar with M-PESA transactions.

KSh500–KSh30k 3–3 months ⚡ Minutes

Zenka offers a convenient way to access personal loans up to KES 200,000 through a user-friendly mobile app. However, potential borrowers should be cautious of the interest rates.

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NCBA Bank

NCBA Bank Personal Loan

APR 15.0%

This loan is best suited for individuals seeking both traditional and digital lending solutions with a reputable bank.

KSh20k–KSh5M 12–72 months ⚡ 2-5 business days

The NCBA Bank Personal Loan offers competitive rates and flexible options, making it a viable choice for many borrowers.

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