KCB Car Loan

Vehicle financing from KCB Bank for new and used cars. Finance up to 90% of the vehicle value with repayment periods up to 60 months.

Last checked on May 15, 2026. We may earn a commission when you click through.

KCB Car Loan offers good financing options for both new and used vehicles, allowing you to finance up to 90% of the vehicle's value.

✓ Finances up to 90% of vehicle value ✓ Flexible repayment terms up to 60 months ✓ Good customer service reputation

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KCB Car Loan

Updated 1 day ago

APR	Amount	Term	Requirements	Decision
14.0–17.0%	—	Up to 60 mo	—	—

Requirements

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Decision

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Our Verdict

KCB Car Loan offers good financing options for both new and used vehicles, allowing you to finance up to 90% of the vehicle's value.

Best For

This loan is ideal for individuals looking to purchase a car with flexible repayment options of up to 60 months.

Watch Out

Potential borrowers should be aware of the interest rates, which range from 14% to 17% per annum, impacting the total cost significantly.

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About this loan

KCB Car Loan offers substantial financing options for vehicle buyers, making it a viable choice for many Kenyans.

What Customers Say

Borrowers generally appreciate the service but caution about interest rates and approval times.

Expert Analysis

For those considering a vehicle purchase, the KCB Car Loan provides a financing solution that covers up to 90% of the vehicle's value. With a repayment period of up to 60 months, it offers flexibility in managing monthly payments, particularly beneficial for first-time buyers.

The 14% to 17% APR means that on a loan of KES 1,000,000, you could be paying between KES 14,000 to KES 17,000 annually in interest alone. It's essential to calculate how this will affect your overall budget.

In terms of customer service, KCB has a solid reputation, but approval times can vary. Borrowers with lower credit scores may face more challenges in securing this loan.

Compared to alternatives like Equity Bank's car loan, which also offers competitive rates but may have stricter eligibility requirements, KCB provides a more accessible option for many borrowers. Additionally, ensure you check for any hidden fees that could arise during the application process.

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.