Compare personal loans

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

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I&M Bank

I&M Bank Car Loan

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

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

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.

Standard Chartered Kenya

Standard Chartered Kenya Personal Loan

APR 12.0–15.0%
Amount
KSh50k–KSh7M
Term
12–72 months
Approval
2-3 business days

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

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.

Branch

Branch Personal Loan

APR 24.0–108.0%
Amount
KSh250–KSh70k
Term
1–12 months
Approval
Minutes

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

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

ABSA Bank Kenya

ABSA Bank Kenya Personal Loan

APR 13.0–16.0%
Amount
KSh50k–KSh5M
Term
12–72 months
Approval
2-3 business days

Best for: Ideal for individuals seeking a substantial unsecured loan with a lengthy repayment period and credit life insurance.

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.

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.

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

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.

Diamond Trust Bank

DTB Car Finance

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

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

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.

KCB M-PESA

KCB M-PESA Loan

APR 88.0–107.0%
Amount
KSh50–KSh150k
Term
1–6 months
Approval
Instant

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

M-Shwari (Safaricom/CBA)

M-Shwari Loan

APR 90.0%
Amount
KSh100–KSh50k
Term
1–1 months
Approval
Instant

Best for: This service is best for individuals who have consistent M-PESA usage and savings, enabling them to access quick loans without lengthy approval processes.

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.

Family Bank

Family Bank Personal Loan

APR 15.0–18.0%
Amount
KSh10k–KSh3M
Term
12–60 months
Approval
2-5 business days

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

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.

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.

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.