Unsecured Loan

This loan is granted to individuals without the requirement for a security deposit.


  • Open to employed/self-employed individuals with a regular steady income.
  • Repayment period of up to 48 months.
  • No security deposit required.
  • From as low as Ksh 20,000 to as high as Ksh 3M

Standard Requirements

  • Must have had an account with KCB for at least 3 months
  • Original and copy of National ID or passport
  • Employment card (where applicable)
  • Latest 3 Months pay slips (original)
  • Proof of income for self-employed individuals

Rates & Fees

  • Repayment period is a maximum of 48 months (4 years)
  • Interest rate and other fees e.g. negotiation fees, annual renewal to be advised by the personal banker at your branch

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