Personal Loans

7 listings, ranked.
Sorted by what matters.

Compare personal loans across Kenyan banks, sourced from their own published rates, ranked lowest cost to highest, with fees shown next to the headline figure.

Lowest rate tracked today
11.0%
Equity Bank Kenya · personal loans
7
institutions compared
4.5pp
spread, low to high

Verified. Every rate and fee below is sourced from the institution’s own published rates — see the “Verified” badge and source link on each listing for where it came from and when we last checked.

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7 of 7 listings
AB
Absa Bank Kenya
14.5%-15% annualised — Rate basis: Annualised — Fees: 3.3% + 20% excise duty on fee + KES 100/month — Subject to debt-ratio limits
Verified
Verified 16 Sept 2026 · source
14.5%
Interest rate
3.3%
Fee
72 months
Max term
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

CB
Co-operative Bank of Kenya
13% p.a. — Fees: 3% + 20% excise duty on fee (year one) — Bank states annual cost from year 2 onward is 13.0%. Tenure updated to 96 months (8 years) per Money254's current listing (previously 72)
Contact bank for full rate
Verified 16 Sept 2026 · source
13%
Interest rate
3%
Fee
96 months
Max term
Compare
Details
Interest basis
Flat
Requirements & terms

Requirements for this product aren't published yet.

EB
Equity Bank Kenya
11%-13% annualised — Rate basis: Annualised — Fees: 5% + 20% excise duty on fee (year one)
Contact bank for full rate
Verified 16 Sept 2026 · source
11%
Interest rate
5%
Fee
72 months
Max term
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

FB
Family Bank Kenya
13.5% p.a. — Rate basis: Annualised (holds from year 2 onward) — Fees: 3% + 20% excise duty; 0.5% insurance fee — No early-repayment penalty
Contact bank for full rate
Verified 16 Sept 2026 · source
13.5%
Interest rate
3%
Fee
24 months
Max term
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

KB
KCB Bank Kenya
13% annualised (16.5% annualised effective year 1 incl. fees; 13.54% from year 2) — Rate basis: Annualised — Fees: 2.5% + 20% excise duty + 0.54% insurance
Verified
Verified 16 Sept 2026 · source
13%
Interest rate
2.5%
Fee
48 months
Max term
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

NB
NCBA Bank Kenya
14.1% annualised — Rate basis: Annualised — Fees: 2% + 20% excise duty on fee
Contact bank for full rate
Verified 16 Sept 2026 · source
14.1%
Interest rate
2%
Fee
36 months
Max term
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

SB
Stanbic Bank Kenya
Personalized; 2026 Risk-Based reference rate = 15.50% — Rate basis: Risk-based (reference rate is CBK-mandated disclosure, not final customer rate)
Contact bank for full rate
Verified 16 Sept 2026 · source
15.5%
Interest rate
96 months
Max term
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

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Frequently asked questions

How many personal loans providers does WeCompare track?

We currently track 7 institutions offering personal loans in Kenya.

What is the lowest-cost personal loans rate right now?

Equity Bank Kenya · personal loans, currently at 11.0%. Rates across the providers we track span a 4.5pp range — see the full ranked table below.

Is this personal loans data real, or a sample?

Every listing on this page is real and verified — each row is checked against the institution's own published rate, with a source link and verification date.

How are personal loans ranked on this page?

We sort by headline rate, lowest to highest, with the fee shown alongside so the ranking isn't just the biggest number. Sample/template rows are always pinned below real ones and never win the ranking.

More resources

Find additional information on WeCompare’s categories and more personal finance products.

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