Your smart loan guide
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
This loan is best for first-time homebuyers looking for affordable housing solutions with predictable monthly payments and interest rates.
| APR | 8.99–12.0% |
|---|---|
| Amount | Up to KSh10 |
The Stanbic Affordable Housing Loan offers a competitive fixed rate, making it an attractive option for homebuyers in Kenya. However, potential borrowers should consider their overall financial situation before applying.
This loan is best for individuals looking to finance up to 90% of a vehicle's value, with flexible repayment options.
| APR | 14.0–19.0% |
|---|---|
| Amount | KSh500k |
| Term | 12–60 months |
| ⚡ | Quick processing through KCB branches |
KCB Car Loan offers substantial financing options for vehicle buyers, making it a viable choice for many Kenyans.
This loan is best for individuals seeking unsecured financing with flexible repayment terms, especially those with stable salaries.
| APR | 14.0–18.0% |
|---|---|
| Amount | KSh50k–KSh3M |
| Term | 12–60 months |
| ⚡ | 2-5 business days |
The National Bank of Kenya offers a reasonable personal loan option for salaried employees, but borrowers should assess their financial situation carefully.
It's best for Kenyan citizens or residents looking for significant financing to purchase a vehicle.
| APR | 13.0–18.0% |
|---|---|
| Amount | KSh500k |
| Term | 12–60 months |
| ⚡ | 3-5 business days |
This vehicle loan provides substantial funding options for buyers, but the interest rates can be on the higher side.
This loan is ideal for individuals seeking a reliable financing option with manageable repayment terms, particularly if you receive your salary through check-off.
| APR | 15.0–18.0% |
|---|---|
| Amount | KSh10k–KSh5M |
| Term | 12–72 months |
| ⚡ | 2-5 business days |
The Co-operative Bank Personal Loan offers competitive terms for employed borrowers, especially those in the cooperative and SACCO sectors.
This service is best for Kenyan residents looking to buy a car with minimal upfront costs.
| APR | 20.0–36.0% |
|---|---|
| Amount | KSh200k–KSh5M |
| Term | 12–48 months |
| ⚡ | 48 hours |
Watu Gari provides a solid option for those needing substantial car financing quickly.
This loan is best for employed individuals seeking quick access to funds without collateral, especially those with a regular salary.
| APR | 15.0–18.0% |
|---|---|
| Amount | KSh10k–KSh5M |
| Term | 12–72 months |
| ⚡ | 2-5 business days |
KCB Bank offers a reliable unsecured personal loan option for salaried individuals, but borrowers should be aware of the associated interest rates.
Best for Kenyan residents looking for substantial financing options, with loans ranging from KES 500,000 to KES 10,000,000.
| APR | 14.0–18.0% |
|---|---|
| Amount | KSh500k |
| Term | 12–48 months |
| ⚡ | 3-5 business days |
I&M Bank offers competitive car loan terms but be prepared for a required 20% deposit.
This loan is ideal for individuals needing immediate cash for personal emergencies or unexpected expenses.
| APR | 24.0–108.0% |
|---|---|
| Amount | KSh250–KSh70k |
| Term | 3–12 months |
| ⚡ | Minutes |
Branch Personal Loan offers quick and flexible financing options, but users should be cautious of varying interest rates.
This financing solution is ideal for Kenyan residents looking for straightforward car loans with manageable repayment terms.
| APR | 13.0–17.0% |
|---|---|
| Amount | KSh500k |
| Term | 12–72 months |
| ⚡ | 3-5 business days |
With an APR ranging from 13% to 17%, DTB Car Finance provides a decent option for car buyers in Kenya.
This loan is best for individuals seeking both secured and unsecured options, particularly those who value a trusted bank with a regional presence.
| APR | 14.0–17.0% |
|---|---|
| Amount | KSh50k–KSh3M |
| Term | 12–60 months |
| ⚡ | 2-5 business days |
DTB offers competitive personal loan options with flexible terms, making it a solid choice for many borrowers in Kenya.
This loan is best for Kenyan citizens or residents looking to purchase vehicles of any age or model with minimal down payment requirements.
| APR | 18.0–36.0% |
|---|---|
| Amount | KSh100k–KSh2.5M |
| Term | 6–48 months |
| ⚡ | Fast approval, same-day disbursement possible |
MOGO provides accessible car financing options with fast disbursement, making it a reliable choice for quick funding.
Ideal for individuals seeking a substantial unsecured loan with a lengthy repayment period and credit life insurance.
| APR | 13.0–16.0% |
|---|---|
| Amount | KSh50k–KSh5M |
| Term | 12–72 months |
| ⚡ | 2-3 business days |
ABSA Bank offers competitive personal loan rates with flexible repayment options, making it a viable choice for borrowers in Kenya.
This loan is ideal for individuals looking for flexible repayment options and relatively low interest rates in the Kenyan market.
| APR | 11.0–15.0% |
|---|---|
| Amount | KSh20k–KSh3M |
| Term | 12–60 months |
| ⚡ | 2-5 business days |
Ecobank offers competitive personal loan rates, making it a solid option for those seeking financial assistance. However, borrowers should carefully consider the terms and conditions before proceeding.
This loan is best for individuals looking for both secured and unsecured options at a lower interest rate, especially following the recent CBK rate cuts.
| APR | 14.0–17.0% |
|---|---|
| Amount | KSh10k–KSh5M |
| Term | 12–72 months |
| ⚡ | 1-3 business days |
Equity Bank offers competitive personal loan options with flexible rates and terms, making it a solid choice for many borrowers.
This loan is best for existing I&M Bank customers looking for quick access to funds via a user-friendly app.
| APR | 13.0–16.0% |
|---|---|
| Amount | KSh50k–KSh5M |
| Term | 12–72 months |
| ⚡ | 2-5 business days |
I&M Bank's personal loan offers a convenient digital application process, appealing to tech-savvy customers. However, the interest rates could be higher compared to other lenders.
This loan is ideal for individuals needing immediate funds without collateral, especially for personal emergencies or significant expenses.
| APR | 11.0–14.0% |
|---|---|
| Amount | KSh50k–KSh5M |
| Term | 12–72 months |
| ⚡ | 2-5 business days |
Stanbic Bank offers a flexible personal loan option with quick approval, but potential borrowers should consider interest rates and repayment terms carefully.
This loan is best suited for individuals seeking both traditional and digital lending solutions with a reputable bank.
| APR | 15.0–18.0% |
|---|---|
| Amount | KSh20k–KSh5M |
| Term | 12–72 months |
| ⚡ | 2-5 business days |
The NCBA Bank Personal Loan offers competitive rates and flexible options, making it a viable choice for many borrowers.
This loan is best for individuals seeking significant funding without collateral and those wanting the security of retrenchment cover.
| APR | 12.0–15.0% |
|---|---|
| Amount | KSh50k–KSh7M |
| Term | 12–72 months |
| ⚡ | 2-3 business days |
The Standard Chartered Kenya Personal Loan offers competitive rates and a flexible repayment period, making it a viable option for many borrowers.
This loan is best suited for individuals and businesses in semi-urban and rural Kenya looking for reliable funding options.
| APR | 15.0–18.0% |
|---|---|
| Amount | KSh10k–KSh3M |
| Term | 12–60 months |
| ⚡ | 2-5 business days |
The Family Bank Personal Loan offers accessible financing for SMEs and middle-income earners, but its interest rates are higher than average.