NCBA Kenya PLC Personal Unsecured Loan: Product Details & How to Apply

Rates available from as of 1st April 2021
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Personal Unsecured Loan
Easy Apply
Ksh100k - 4M
6 months - 6 years
Interest Rate
13% annualised
Total Cost Including Institution's Other Fees
14% - 22% annualised, year one
Requires at least 3 months active account history
Easy Apply
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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 between 13.0% - 13.7%.

Total Cost Breakdown (Loan Fees):

  • Interest Minimum: 13%
  • Interest Maximum: 13%
  • Processing fee: 7000
  • Insurance Fee: 0.7%
  • Withdrawal Fee: None
  • Late Fees: 30% per annum
  • Other Fees: 20% Excise Duty

Disbursement Details:

  • Institution Type: Commercial bank
  • Application Method: Paperwork
  • Disbursement Method: Bank Account   

Repayment Details:

  • Repayment Frequency: Monthly
  • Early Repayment: Allowed
  • Repayment Method: Check-off/ Auto-deductions

Eligibility Requirement:

  • Smartphone: not Required
  • CRB: Must be in good standing
  • Income: No minimum
  • Employment: Required
  • Network: Not Required
  • History: Active Account for 3 months


  • Certified Pay-slips,
  • National ID,
  • KRA Pin
  • Application form filled and signed,
  • 6 months bank statement( for non account holders)
  • T&C Links

How to Apply

Money254 Review


  • Long loan tenure (up to 6 years)
  • High max loan limit (up to 4 million, subject to T&Cs)


  • 30% p.a late fees
  • Formal employment required
  • Amount disbursed lower than requested amount (fees deducted upfront)

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How to Apply for NCBA Unsecured Personal Loan, Repayment, Fees, Contacts

The NCBA unsecured personal loans are available to all NCBA account holders. No collateral is required.

Who Is Eligible for NCBA Unsecured Personal Loans?

Loan Limits and Interest Rates

How to Apply for NCBA Unsecured Personal Loan

NCBA Unsecured Personal Loan Repayment

Fees and Penalties


Learn more about Personal Loans available in Kenya on Money254

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