Compare personal loans

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

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Ecobank Kenya

Ecobank Kenya Personal Loan

APR 11.0–15.0%
Amount
KSh20k–KSh3M
Term
12–60 months
Approval
2-5 business days

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

Watu Gari

Watu Gari Car Finance

APR 20.0–36.0%
Amount
KSh200k–KSh5M
Term
12–48 months
Approval
48 hours

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

Stanbic Bank

Stanbic Affordable Housing Loan

APR 8.99–12.0%
Amount
Up to KSh10
Term
Up to 300 months

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

National Bank of Kenya

National Bank of Kenya Personal Loan

APR 14.0–18.0%
Amount
KSh50k–KSh3M
Term
12–60 months
Approval
2-5 business days

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

I&M Bank

I&M Bank Car Loan Kenya

APR 14.0–18.0%
Amount
KSh500k
Term
12–48 months
Approval
3-5 business days

Best for: Individuals with stable incomes looking to finance a vehicle costing between KES 500,000 and KES 10,000,000.

Co-operative Bank

Co-operative Bank Personal Loan

APR 15.0–18.0%
Amount
KSh10k–KSh5M
Term
12–72 months
Approval
2-5 business days

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

MOGO Kenya

MOGO Car Loan Kenya

APR 18.0–36.0%
Amount
KSh100k–KSh2.5M
Term
6–48 months
Approval
Fast approval, same-day disbursement possible

Best for: Individuals looking for flexible car financing options with a decent credit score and a stable income.

Branch

Branch Personal Loan

APR 24.0–108.0%
Amount
KSh250–KSh70k
Term
3–12 months
Approval
Minutes

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

Diamond Trust Bank

DTB Car Finance

APR 13.0–17.0%
Amount
KSh500k
Term
12–72 months
Approval
3-5 business days

Best for: Kenyan residents with regular income seeking to finance either a new or used vehicle.

DTB Kenya

DTB Personal Loan

APR 14.0–17.0%
Amount
KSh50k–KSh3M
Term
12–60 months
Approval
2-5 business days

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

KCB Bank

KCB Car Loan

APR 14.0–19.0%
Amount
KSh500k
Term
12–60 months
Approval
Quick processing through KCB branches

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

Stanbic Bank Kenya

Stanbic Bank Unsecured Personal Loan

APR 11.0–14.0%
Amount
KSh50k–KSh5M
Term
12–72 months
Approval
2-5 business days

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

Stanbic Bank Kenya

Stanbic Bank Vehicle Loan

APR 13.0–18.0%
Amount
KSh500k
Term
12–60 months
Approval
3-5 business days

Best for: Kenyan citizens or residents with a steady income looking for vehicle financing between KES 500,000 and KES 15,000,000.

KCB M-PESA

KCB M-PESA Loan

APR 88.0–107.0%
Amount
KSh50–KSh150k
Term
3–6 months
Approval
Instant

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

I&M Bank

I&M Bank Personal Loan

APR 13.0–16.0%
Amount
KSh50k–KSh5M
Term
12–72 months
Approval
2-5 business days

Best for: This loan is best for existing I&M Bank customers looking for quick access to funds via a user-friendly app.

Equity Bank

Equity Bank Personal Loan

APR 14.0–17.0%
Amount
KSh10k–KSh5M
Term
12–72 months
Approval
1-3 business days

Best for: 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.

NCBA Bank

NCBA Bank Personal Loan

APR 15.0–18.0%
Amount
KSh20k–KSh5M
Term
12–72 months
Approval
2-5 business days

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

KWFT Bank

KWFT Personal Loan for Women Entrepreneurs

APR 18.0–22.0%
Amount
KSh5k–KSh2M
Term
6–48 months
Approval
1-3 business days

Best for: This loan is best for women entrepreneurs and salaried employees in need of financial support. KWFT's focus on women sets it apart in Kenya’s microfinance space.

Zenka

Zenka Personal Loan: Quick Mobile Loans

APR 0.0–120.0%
Amount
KSh500–KSh30k
Term
3–3 months
Approval
Minutes

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

KCB Bank

KCB Bank Personal Loan

APR 15.0–18.0%
Amount
KSh10k–KSh5M
Term
12–72 months
Approval
2-5 business days

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

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