KCB Bank Mobile Loan: Product Details & How To Apply

Rates available from as of 1st April 2021
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KCB Bank Kenya Limited

KCB Mobile Loan
Easy Apply
Ksh1k - 300K
1 month
Interest Rate
Total Cost Including Institution's Other Fees
7.02% per loan
Requires at least 6 months active account history
visit website
Easy Apply

Loan Type

Unsecured Loans

Total Cost Breakdown (Loan Fees):

  • Interest Minimum: 7.02%
  • Interest Maximum: 7.02%
  • Processing fee: None
  • Insurance Fee: None
  • Withdrawal Fee: None
  • Late Fees: 7.02%, Roll-over
  • Other Fees: None

Disbursement Details

  • Institution Type: Commercial Bank
  • Application Method: Digital
  • Disbursement Method: Vooma Wallet/ Bank Account

Repayment Method:

  • Repayment Frequency: Bullet
  • Early Repayment: Allowed
  • Repayment Method: Bank Transfer

Eligibility Requirement:

  • Smartphone: Not Required
  • CRB: Must be in good standing
  • Income: No minimum
  • Employment: Not required
  • Network: No requirement
  • History: Active account for 6 months


Representative Example of Loan Costs:

  • Example Loan Amount: ksh100,000
  • Representative Loan Cost: 7.02%
  • Total Loan Repayment Amount: ksh107,020

This product is provided by KCB Bank Kenya Limited. KCB Bank Kenya Limited is a Commercial Bank licensed under the Banking Act Cap 488 of the Laws of Kenya and regulated by the Central Bank of Kenya

How To Apply

Money254 Review


  • Application by App or USSD
  • Fast approval time (within 24 hours)
  • Loan limit grows over time


  • Must have an Active Account for 6 months to access
  • No discount for early repayment

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