Verified 12 September 2026
KCB Loans: The Full Menu
By Arnold Ochieng · KCB Bank Kenya hub · paybillke is an independent guide and is not affiliated with KCB Bank Kenya.
KCB has a loan for most needs, from an instant mobile advance to a home mortgage. Here is the full menu so you can find the right one and go straight to its page.
Mobile and short-term
KCB M-PESA loan, instant cash from KES 100 over one month. KCB Mobile loan, a flexible mobile loan for KCB customers with tenure options. Salary advance, a quick advance against your salary.
Personal loans
Personal unsecured check-off for salaried employees whose employer remits, personal unsecured non-check-off, personal secured loan against collateral, and the personal car loan for buying a vehicle.
Home and property
A full mortgage range: residential mortgage, affordable housing mortgage, equity release, plot and construction, US dollar mortgage, commercial mortgage, diaspora and advantage mortgage, and mortgage plus.
How to choose
Match tenure and security to the need. Instant needs suit mobile loans, planned purchases suit personal or car loans, and property suits a mortgage. Compare the rate, fees and repayment period, and borrow within what your income comfortably services.
Frequently asked
What is the cheapest KCB loan?
It depends on tenure and security. Secured and check-off loans usually price lower than unsecured.
Fastest loan?
The KCB M-PESA loan, instant to M-PESA.
Does KCB do mortgages?
Yes, a full range including affordable housing.