NCBA Personal Loan – review 2026

4,1 / 5

NCBA Bank Kenya, formed from the merger of NIC Bank and Commercial Bank of Africa, offers personal loans to salaried employees and select self-employed individuals. The product includes optional credit life insurance and allows early repayment. NCBA is regulated by the Central Bank of Kenya.

Pros

Loan amounts up to KES 4,000,000
Competitive rates from 14% per annum
Optional credit life insurance
Early repayment allowed
Strong digital banking platform for account management

Cons

Minimum loan of KES 50,000 limits access for small borrowers
Rates vary significantly based on credit risk profile
Salary channelling through NCBA often required for best rates
Documentation requirements are detailed
Limited branch presence outside major towns

Requirements

Kenyan national ID or passport
Recent payslips (3 months)
Bank statements (3 months)
KRA PIN certificate
Employer confirmation letter

Company information

Name: NCBA Bank Kenya PLC
Address: NCBA Centre, Mara & Ragati Roads, Upper Hill, P.O. Box 44599-00100, Nairobi, Kenya
Web: https://ke.ncbagroup.com

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.