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Personal Loans

KCB offers a variety of affordable and varied loan options for personal banking customers to finance their diverse needs.

Personal Loans

Type Benefits Standard Requirements

Check Off Unsecured. »

Opened to salaried individuals working with institutions that have reached a check off agreement with KCB.

  • Repayment of up to 36 months
  • No security required
  • Completed application form
  • Letter of undertaking by the employer on prescribed KCB form
  • Copy of appointment letter

Unsecured Loan »

A loan taken by an individual for which no deposit of security such as titles, log books or share certificates is required.

  • Repayment of up to 36 months.
  • Open to employed/self-employed individuals with a regular steady income.
  • No security deposit required.
  • Have an existing account with KCB for at least 3 months
  • Salary/personal income channeled through your KCB account
  • Copy of recent pay slip/ bank statements

Secured Loan »

A loan taken by an individual for which they must deposit a form of security e.g. titles, log books or share certificates

  • Loan amount is dependent on customers’ repayment capabilities.
  • Repayment up to 5 years.
  • Have an existing account with KCB for at least 3 month
  • Salary/personal income channeled through your KCB account
  • Copy of recent pay slip/ bank statements

Salary Advance »

Open to all salaried individuals who have a KCB account. Can be employed on permanent or contractual terms.

  • Up to 1.5 times your salary for permanent employees.
  • Up to 100% or for contract employees.
  • No security required.
  • History of 6 months with KCB
  • Employer agree to channel salary to KCB account
  • Ability to repay