National Bank of Kenya Personal Loan
National Bank of Kenya (KCB Group subsidiary) offers unsecured personal loans for salaried employees. Competitive rates with flexible repayment terms.
Last checked on June 10, 2026. We may earn a commission when you click through.
National Bank of Kenya Personal Loan
Updated 4 months agoAPR Range
14.0–18.0%
Amount
KSh50k–KSh3M
Term
12–60 months
Type
personal
You'll be redirected to nationalbank.co.ke
Our Verdict
The National Bank of Kenya offers a reasonable personal loan option for salaried employees, but borrowers should assess their financial situation carefully.
Best For
This loan is best for individuals seeking unsecured financing with flexible repayment terms, especially those with stable salaries.
Watch Out
Interest rates may vary, and late payment could lead to additional charges, so ensure you understand the terms before committing.
Full Review
The National Bank of Kenya (KCB Group subsidiary) provides unsecured personal loans tailored for salaried employees. One of the main advantages of this loan is its competitive rates and flexible repayment terms, which can be appealing for those looking to manage their monthly budget effectively. The application process is straightforward, making it accessible for many.
However, potential borrowers should be cautious of the varying interest rates that could impact the total cost of the loan. It's essential to read the terms carefully and consider your repayment capacity to avoid penalties. Compared to alternatives such as loans from microfinance institutions or other banks, National Bank of Kenya's offering is generally seen as reliable, yet it may not always be the most affordable option.
It's advisable to compare different products and read the fine print to ensure you're making an informed decision.
Requirements
- Kenyan resident
- NBK account
- Regular salary
Similar options
I&M Bank Personal Loan
PersonalAPR
13.0–16.0%
Amount
KSh50k–KSh5M
Term
12–72mo
Best for: This loan is best for existing I&M Bank customers looking for quick access to funds via a user-friendly app.
Family Bank Personal Loan
PersonalAPR
15.0–18.0%
Amount
KSh10k–KSh3M
Term
12–60mo
Best for: This loan is best suited for individuals and businesses in semi-urban and rural Kenya looking for reliable funding options.
APR
18.0–22.0%
Amount
KSh5k–KSh2M
Term
6–48mo
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.
DTB Personal Loan
PersonalAPR
14.0–17.0%
Amount
KSh50k–KSh3M
Term
12–60mo
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 M-PESA Loan
PersonalAPR
88.0–107.0%
Amount
KSh50–KSh150k
Term
3–6mo
Best for: Ideal for individuals needing quick cash with a flexible repayment plan based on their savings and payment history.
Branch Personal Loan
PersonalAPR
24.0–108.0%
Amount
KSh250–KSh70k
Term
3–12mo
Best for: This loan is ideal for individuals needing immediate cash for personal emergencies or unexpected expenses.