NCBA Bank Personal Loan
Personal loan from NCBA, the bank behind M-Shwari. Offers both traditional branch loans and digital lending. Average rate around 15.54% per CBK data. Known for Loop digital banking platform.
Last checked on May 15, 2026. We may earn a commission when you click through.
The NCBA Bank Personal Loan offers flexible borrowing options with a competitive interest rate.
NCBA Bank Personal Loan
Updated 1 day ago| APR | Amount | Term |
|---|---|---|
| 15.0–18.0% | — | Up to 120 mo |
Requirements
—Decision
—Our Verdict
The NCBA Bank Personal Loan offers flexible borrowing options with a competitive interest rate.
Best For
It's best for those looking to borrow up to KES 8 million over a term of up to 120 months, especially if you prefer digital banking.
Watch Out
Borrowers should be aware that the average APR is around 15.54%, which may be higher than some competitors for those with lower credit scores.
Ready to check your rate?
No credit score impact — free to check
You'll be redirected to ke.ncbagroup.com
About this loan
The NCBA Bank Personal Loan offers competitive rates and flexible options, making it a viable choice for many borrowers.
What Customers Say
Users appreciate the convenience of the Loop platform but express concerns about customer service responsiveness.
Expert Analysis
This personal loan allows you to borrow up to KES 8 million with terms extending up to 120 months. The 15% to 18% APR range is fairly competitive, particularly for those who utilize NCBA's Loop digital banking platform.
In practice, this means that if you borrow KES 1 million at an APR of 15%, you'd pay approximately KES 25,000 in interest annually. Approval can be quick, especially for existing customers.
One consideration is that customer service experiences vary, with some users noting long wait times. Additionally, while the digital lending option is convenient, not all applicants may qualify for the lowest rates.
Compared to alternatives like KCB or Equity Bank, NCBA's rates can be higher for those with less-than-ideal credit. Therefore, if you're looking for the best rate, it might be worth checking other lenders as well.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
Similar options
- —
- APR
- $500–$200k
- ≤61mo
No specific requirements listed
- 13.0–16.0%
- APR
- ≤$6M
- ≤96mo
No specific requirements listed
- 20.0–26.0%
- APR
- ≤$500k
- ≤72mo
No specific requirements listed
- 14.0–17.0%
- APR
- —
- ≤72mo
No specific requirements listed
- 12.0–15.0%
- APR
- —
- 6–84mo
No specific requirements listed
- 15.0–18.0%
- APR
- —
- ≤72mo
No specific requirements listed
Related Articles
KCB M-PESA vs. National Bank: Which Loan is Best for You?
Choosing between KCB M-PESA and National Bank personal loans? We break down rates, repayment terms, and who each option suits best.
Which Personal Loan in Kenya is Right for You? Compare Today's Best Options
Discover the best personal loans in Kenya by comparing rates, eligibility, and unique features to find the right fit for you.
Best Personal Loans in Kenya for April 2026: Rates and Recommendations
Discover the top personal loan options in Kenya with our detailed analysis. We break down the best choices for budget-conscious borrowers, quick approvals, and large amounts.