Co-operative Bank Personal Loan
Personal loan from Kenya's third-largest bank by assets. Strong in the cooperative and SACCO sector. Offers salary check-off loans for employed borrowers with competitive terms.
Last checked on May 12, 2026. We may earn a commission when you click through.
The Co-operative Bank Personal Loan offers competitive rates and flexible terms for salaried borrowers.
Co-operative Bank Personal Loan
Updated 4 days ago| APR | Amount | Term |
|---|---|---|
| 15.0–18.0% | — | Up to 72 mo |
Requirements
—Decision
—Our Verdict
The Co-operative Bank Personal Loan offers competitive rates and flexible terms for salaried borrowers.
Best For
This loan is best for those seeking salary check-off options with a reputable bank in Kenya.
Watch Out
Be mindful of the APR range of 15%-18%, which can lead to significant interest if not managed properly.
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About this loan
The Co-operative Bank Personal Loan offers competitive terms for employed borrowers, especially those in the cooperative and SACCO sectors.
What Customers Say
Feedback is mixed, with some users appreciating the service while others note slow response times.
Expert Analysis
This personal loan from Co-operative Bank caters primarily to employed individuals, providing amounts that vary based on borrower profiles. With an APR between 15% and 18%, the interest can accumulate quickly, especially if payments are delayed. Borrowers can access loans up to KES 8 million with repayment terms extending up to 72 months.
The bank has a solid reputation in the cooperative and SACCO sectors, making it a trusted choice. However, its salary check-off requirement means that self-employed individuals may need to look elsewhere. Additionally, while the terms may seem appealing, the actual cost can be higher than expected depending on the borrower's financial situation.
Customer service experiences vary, with some users reporting slow response times. Hidden fees are minimal, but the approval process can be stringent, especially for those without a strong credit background. Overall, if you are employed and have a steady income, this loan could be a practical solution for your financing needs.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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