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This is a flexible mobile based loan targeted at all KCB customers, whereby customers have options to choose a tenor of his/her preference at the point of requesting for a loan. The tenors range from 1 day to 12 months and come with differentiated pricing but may be accessed for any other period at the discretion of the bank.

Benefits

Higher Loan Limits

Borrow from Kes 1,001 up to Kes 1,000,000 giving you flexibility when needed.

Earn Simba Points

Every time you borrow, you earn points redeemable for great rewards.

Repayment Period

Enjoy flexible repayment periods from 1-day upto 1-year with KCB Mobile Loan.

Get Top-up Loans

Access top-up loans anytime you need.

  • Holders of KCB accounts.
  • Operated account for minimum of 6 months.
  • Registered on mobile banking.
  • Credit scored and limit assigned.
  • Wide range of tenors for customers to choose as per their requirement at specific time.
  • Affordability to customers as shorter term is priced lower than longer term.
  • Availability of longer repayment periods that ease pressure on requirement to pay in just one month.
  • Top-ups allowed within approved credit limit hence no need to pay existing loan to access more funds.
  • The loan tenors shall be 1-day, 7-day, 14-day, 30-day, 90-day, 180-day, and 12 months.
  • From as low as 1.2%.

    The product IS available through all our mobile channels i.e., USSD- * 522 # and the KCB App.

  • Loan service activation.
  • Loan request.
  • Loan repayment.
  • Credit limit check.
  • Loan balance check.
  • The prerequisite for a customer to accessing the product is having operated an account for at least 6 months and must be registered on mobile banking.

    To access the loan the application will follow the process below:-
  • Customers access through KCB USSDs *522# or KCB App and follow the prompts.
  • The request is subjected to internal validation and loan approved/rejected within seconds and customers notified via SMS.
  • Reminder notifications will be sent to the customers before due date.
  • Funds are disbursed to the customers bank accounts.
  • Customers may initiate loan repayments or deposit funds in their accounts for recovery on due date.
  • Interested in KCB Mobile Loan or have a question?


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