KCB Bank Kenya Limited Personal Unsecured Non-check Off Loan: Product Details & How to Apply

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

Personal Unsecured Non-check Off Loan
Total Cost
annualised, year one
Typically approved within
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* Processing Fees and Excise duty are only applied to year one. For loans longer than one year, your annual cost from year two onwards will be 13.54%.

 Loan Fees:

  • Interest Minimum: 13%
  • Interest Maximum: 13%
  • Processing fee: 2.5%
  • Insurance Fee: 0.54%
  • Withdrawal Fee: None
  • Late Fees: None
  • Other Fees: 20% Excise duty on Processing fee

Disbursement Details:

  • Institution Type: Commercial Bank
  • Application Method: Paper based
  • Disbursement Method: Bank Account

Repayment Method:

  • Repayment Frequency: Monthly
  • Early Repayment: Allowed
  • Repayment Method: Auto-deduction

Eligibility Requirement:

  • Smartphone: Not required
  • CRB: Must be in good standing
  • Income: No Minimum
  • Employment: Not Required
  • History: Active Account for 6 Months
  • Network: No requirement


  • National ID,
  • 3 pay-slips,
  • Proof of income,
  • KRA Pin,
  • Application form Filled and signed
  • T&C Link

How to Apply

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  • Long Loan tenure (up to 36 Months)
  • Competitive processing fees (2.5%)
  • Formal employment not Required    


  • Must have an active account for 6 Months
  • Application process involves paperwork
  • Disbursed amount lower than requested amount(processing fees & credit  insurance deducted upfront)

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How to Apply for KCB Non-Check-Off Loan, Repayment, Fees, Contacts

The KCB Non-Check-Off loans are available to both salaried and self-employed individuals. Neither security nor collateral is required.

Who Is Eligible For KCB Non-Check-Off Loan?

Loan Limits and Interest Rates

How to Apply for Your First KCB Non-Check-Off Loan

How to Make KCB Non-Check-Off Loan Repayments


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