Kenya Commercial Bank (KCB) offers personal loans to individuals who meet certain requirements.

To apply for a personal loan at KCB, an individual must meet the following criteria:

Proof of income

 The applicant must provide proof of income, such as a salary statement or a copy of their tax returns, to show that they have a steady source of income. This is to ensure that the applicant can repay the loan.


The applicant must be at least 21 years old and not older than 60 years old at the time of application.

National ID

The applicant must have a valid national ID to prove their identity and Kenyan citizenship.

Bank account

The applicant must have a bank account with KCB or another bank in Kenya.

Credit history

The applicant's credit history will be checked to ensure that they have good credit standing and no outstanding debts.

Other Requirements

In addition to these requirements, the applicant must also provide a guarantor for the loan. A guarantor is a person who agrees to repay the loan if the borrower is unable to do so.

The guarantor must also meet certain criteria, including good credit standing, a steady source of income, and a valid national ID.

Once the applicant has met these requirements and provided all of the necessary documentation, the loan application will be reviewed by KCB.

The bank will consider the applicant's credit history, income, and overall financial situation before deciding. If the loan is approved, the applicant must sign a loan agreement and provide any additional documentation that the bank may need.

The loan amount, interest rate, and repayment period will vary depending on the applicant's circumstances.

KCB offers personal loans of up to KES 4,000,000 with a repayment period of up to 36 months. Interest rates will be determined by the bank and depend on the loan amount and the applicant's creditworthiness.

It is important to note that taking a personal loan is a big financial commitment and should be done with caution.

Before applying for a personal loan, individuals should consider their financial situation and ability to repay the loan before applying for a personal loan.

They should also compare the terms and interest rates of different loan options before deciding.


In conclusion, if you are looking to apply for a personal loan at KCB Bank, you will have to meet their requirements, proof of income, age, National ID, bank account and credit history.

Also, it would be best if you had a guarantor who also meets the bank's requirements.

Once you meet all the requirements, your loan application will be reviewed, and if approved, you will sign the loan agreement and provide any additional documentation required.

Remember, a personal loan is a big financial commitment, so make sure you can repay the loan before applying.