This loan is granted to individuals, provided that they deposit some form of security, such as titles, log books or share certificates.


  • Competitive interest rates.
  • Repayment of up to 60 months (5 years)

Standard Requirements

  • Must have had an account with KCB for at least 3 months
  • Original and copy of National ID or passport
  • Employment card (where applicable)
  • Latest original pay slips (where applicable)
  • Proof of source of income for self-employed individuals.

Rates & Fees

  • Repayment period is a maximum of 60 months (5 years)
  • Interest rate of 13% (CBR rate 9% plus Bank Variable margin of 4%)
  • Negotiation fees of 2.5%
  • Other fees e.g. insurance premium, security and documentation fee to be advised by the personal banker at your branch.


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