APR
8.99–12.0%
/yr
Amount
Up to KSh10
Term
≤300mo
No specific requirements listed
APR
11.0–15.0%
/yr
Amount
KSh20k–KSh3M
Term
12–60mo
Kenyan resident
Ecobank account
Regular salary
APR
13.0–17.0%
/yr
Amount
KSh500k
Term
12–72mo
Kenyan resident
Aged 18+
Regular income
APR
15.0–18.0%
/yr
Amount
KSh10k–KSh5M
Term
12–72mo
Kenyan resident
KCB account
Regular salary
APR
14.0–19.0%
/yr
Amount
KSh500k
Term
12–60mo
Kenyan citizen or resident
Age 18+
Salaried or self-employed
APR
18.0–22.0%
/yr
Amount
KSh5k–KSh2M
Term
6–48mo
Kenyan resident
KWFT account
Regular income
APR
20.0–36.0%
/yr
Amount
KSh200k–KSh5M
Term
12–48mo
Kenyan resident
Aged 21+
Valid driving licence
APR
14.0–17.0%
/yr
Amount
KSh50k–KSh3M
Term
12–60mo
Kenyan resident
DTB account
Regular salary
APR
13.0–18.0%
/yr
Amount
KSh500k
Term
12–60mo
Kenyan citizen or resident
Regular income
Comprehensive insurance
APR
13.0–16.0%
/yr
Amount
KSh50k–KSh5M
Term
12–72mo
Kenyan resident
Age 18+
Regular salary
APR
14.0–18.0%
/yr
Amount
KSh500k
Term
12–48mo
Kenyan resident
Aged 18+
Proof of income
APR
15.0–18.0%
/yr
Amount
KSh10k–KSh5M
Term
12–72mo
Kenyan resident
Co-op Bank account
Regular salary
APR
18.0–36.0%
/yr
Amount
KSh100k–KSh2.5M
Term
6–48mo
Kenyan citizen or resident
Age 21+
Valid driving licence
APR
90.0%
/yr
Amount
KSh100–KSh50k
Term
1–1mo
Kenyan M-PESA user
Active M-Shwari savings
APR
12.0–15.0%
/yr
Amount
KSh50k–KSh7M
Term
12–72mo
Kenyan resident
StanChart account
Regular salary
APR
—
/yr
Amount
KSh500–KSh30k
Term
1–1mo
Kenyan M-PESA user
Smartphone with Zenka app
APR
15.0–18.0%
/yr
Amount
KSh10k–KSh3M
Term
12–60mo
Kenyan resident
Family Bank account
Regular salary
APR
13.0–16.0%
/yr
Amount
KSh50k–KSh5M
Term
12–72mo
Kenyan resident
I&M account
Regular salary
APR
24.0–108.0%
/yr
Amount
KSh250–KSh70k
Term
1–12mo
Kenyan M-PESA user
Age 18+
Smartphone with Branch app
APR
14.0–18.0%
/yr
Amount
KSh50k–KSh3M
Term
12–60mo
Kenyan resident
NBK account
Regular salary
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