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
Easy Apply
Ksh20k - 2M
6 months - 3 years
Interest Rate
13% annualised
Total Cost Including Institution's Other Fees
16.5% annualised, year one
Requires at least 6 month active account history
visit website
Easy Apply

Loan Type

Unsecured Loans

* 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%.

Total Cost Breakdown (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

Example Representative Pricing

  • Loan Amount: ksh100,000
  • Annual Interest Rate: 13%
  • Processing Fee: ksh2,500
  • Excise Duty: ksh500
  • Credit insurance: ksh540
  • Loan duration: 12 months
  • Estimated Monthly repayment: ksh8,932
  • Estimated Total repayment amount: ksh110,721

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


  • 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)

See more Personal Loans available in Kenya on Money254

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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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