Reviews
Personal Loans Updated: 07. 10. 2026

DTB Personal Loan – review 2026

4,0 / 5

Diamond Trust Bank Kenya provides personal loans targeting salaried professionals and existing DTB customers. Rates are risk-based and the bank places emphasis on the applicant's banking relationship history. DTB is regulated by the Central Bank of Kenya and has been operating in Kenya since 1946.

Pros

  • Long-established bank with nearly eight decades of operation in Kenya
  • Part of a regional banking group with presence across East Africa
  • Relationship-based underwriting can reward long-standing customers
  • Full CBK prudential regulation and disclosure obligations

Cons

  • Smaller retail branch network than Equity, KCB or Co-op Bank
  • Rates and terms depend heavily on existing banking relationship
  • Less digital-first than some fintech-oriented competitors

Diamond Trust Bank (DTB) Kenya has been operating in the country since 1946, making it one of Kenya's oldest banking institutions still in operation. It is regulated by the Central Bank of Kenya (CBK) under the Banking Act and is part of the regional DTB Group, which also operates in Uganda, Tanzania and Burundi.

DTB's personal loan product targets salaried professionals, with particular emphasis placed on the strength and length of the applicant's banking relationship with the bank when setting the final rate. The bank is often associated with a more conservative, relationship-driven underwriting approach compared with some larger retail-focused competitors.

Fees and Eligibility

As a CBK-licensed bank, DTB must disclose the Annual Percentage Rate, processing fees and any insurance charges before the loan is disbursed. Applicants with an existing current or savings account, and especially those who channel salary through DTB, are generally positioned for more favourable pricing than first-time applicants with no account history.

Requirements

  • National ID or passport
  • KRA PIN certificate
  • Payslips or 3-6 months of bank statements
  • Minimum age 18 years
  • Satisfactory CRB credit report
  • Existing DTB account history is an advantage

Provider contacts

Name
Diamond Trust Bank Kenya Limited
Address
Nation Centre, Kimathi Street, P.O. Box 61711-00200, Nairobi, Kenya
Reg. number
CBK/BL/0007
Website
Online application
Apply now →
Regulator
Central Bank of Kenya (CBK)

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.