Mobile Loans
Interested in:

KCB Mobile Loan

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.



A. Who qualifies for this Product?

  • Holders of KCB accounts.
  • Operated account for minimum of 6 months.
  • Registered on mobile banking
  • Credit scored and limit assigned

B. Product Benefits

  • 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.

C. Term of loan

The loan tenors shall be 1-day, 7-day,14-day, 30-day, 90-day, 180-day, and 12 months.

D. Product Pricing

 From as low as 1.2%

E. Mode of accessing the product

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

F. Available services

  • Loan service activation
  • Loan request
  • Loan repayment
  • Credit limit check
  • Loan balance check

G. Documentation required

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.

H. Application process

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?

What other customers also viewed