I&M Bank Personal Loan
I&M Bank Kenya offers personal lending through its OTG digital banking app for eligible customers with active accounts.
Last checked on May 15, 2026. We may earn a commission when you click through.
I&M Bank offers a convenient personal loan option via its OTG app, but the APR may not be the best for all borrowers.
I&M Bank Personal Loan
Updated 1 day ago| APR | Amount | Term |
|---|---|---|
| 13.0–16.0% | — | Up to 72 mo |
Requirements
—Decision
—Our Verdict
I&M Bank offers a convenient personal loan option via its OTG app, but the APR may not be the best for all borrowers.
Best For
This loan is ideal for existing I&M customers who want quick access to funds through a user-friendly app.
Watch Out
New customers may face higher fees or stricter approval processes, and the APR ranges from 13% to 16% which could be high for some.
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About this loan
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.
What Customers Say
Customers appreciate the app's ease of use but express concerns over customer service delays.
Expert Analysis
If you need a personal loan quickly, I&M Bank's OTG app allows for easy access to funds. The APR ranges from 13% to 16%, which means borrowing KES 100,000 at 15% could cost you about KES 2,900 monthly over five years. This is a critical factor for budgeting.
Approval times can be quite fast for existing customers, often within 24 hours. However, new applicants may experience longer delays as they navigate the approval process. The loan term extends up to 72 months, providing flexibility in repayment.
While the app is generally user-friendly, some users report issues with customer service responsiveness that could affect your experience. Make sure to contact their support via customercare@imbank.co.ke if you encounter any challenges.
In summary, I&M Bank's personal loan is convenient for current customers seeking quick funds, but those new to the bank should prepare for potential hurdles during the application process. Always compare with other options, as some competitors may offer lower rates or better customer support.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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