Compare Kenya's top personal loans, check your monthly repayments instantly, and apply with confidence.
Compare Loans →See exactly how different lenders stack up on interest, fees and what you actually receive. Compare within each loan amount to find the cheapest overall cost.
Enter your loan details and instantly see your monthly repayment, total cost and what you will actually receive.
Calculations use a flat interest model: Interest = Amount × Rate ÷ 100. Monthly payment = Total Repayment ÷ Term. Actual disbursement = Amount − Processing Fee − Insurance − Excise Duty.
Most Kenyan banks price personal loans at 13.5% following Central Bank of Kenya guidelines. Compare loan limits, repayment periods and requirements.
Having these documents ready speeds up your application and approval.
Borrowers often focus only on interest. These additional fees affect your total loan cost and what you receive.
We make comparing Kenyan loans fast, simple and completely transparent.
Compare Kenya's top banks instantly and see all your options in one place.
Clear interest rates and repayment periods so there are no surprises.
Fast, simple, transparent — understand your loan before you apply.
No hidden fees. We show total cost and actual disbursement clearly.
Updated daily so you always compare current rates and terms.
Common questions about personal and mortgage loans in Kenya.
Affordable, member-focused loans with the power of community savings.
What is a SACCO? A Savings and Credit Cooperative Organization (SACCO) is a member-owned financial institution that helps individuals save and access affordable loans. Members pool their resources to offer credit at lower interest rates and share profits through dividends.
Low-interest loans compared to commercial banks.
Flexible repayment periods tailored to members' income.
Members earn annual dividends.
Funds circulate within the group.
Financial education for sustainable growth.
To qualify for a SACCO loan, members typically need:
Choose a SACCO loan that fits your purpose, budget and repayment ability.
Calculate your estimated monthly repayment, total repayment, total cost of the loan, and the actual amount you will receive after applicable fees.
These are estimates based on a standard reducing-balance formula and do not claim to be the exact SACCO repayment unless your lender's own method is known. Actual terms and fees vary by SACCO.
Member-focused lending that puts you first.
Clear, upfront fees with no hidden surprises.
Fast approval process to get you funded quickly.
Member-first approach built around your needs.
Encourages savings discipline for financial growth.
SACCO loans operate on a simple principle.
Your savings power the lending pool, and because SACCOs are non-profit, the savings come back to you as low rates and annual dividends.
Members' savings act as security for loans.
Loan limits often depend on savings amount.
Interest is lower because SACCOs are non-profit.
Repayments go back into the SACCO to help other members.
Different savings accounts serve different goals.
Monthly contributions.
Used to determine loan eligibility. Earn annual dividends.
Higher interest earnings.
Locked for a set period. Ideal for long-term goals.
For children.
Encourages early financial discipline.
Maintain active membership to access SACCO loans successfully.
Minimum savings threshold (varies by SACCO).
Guarantors (other members who support your loan).
Proof of income or business.
No outstanding arrears on your account.
Valid identification documents.
Recent payslips or business records.
Here is the typical path your SACCO loan application follows.
Apply through SACCO office or online.
Submit documents (ID, payslip, business proof).
Savings check – SACCO verifies your contributions.
Guarantor approval (if required).
Loan appraisal.
Approval by credit committee.
Disbursement to your account.
Repayment begins the following month.
A look at some of Kenya's well-known SACCOs by industry.
See typical SACCO loan terms at different amounts.
Quick answers to common SACCO loan questions.
Find the best SACCO loan options with transparent interest rates, flexible repayment, and member-friendly terms.
Compare SACCO Loans →Licensed Digital Lenders in Kenya (2026)
Compare CBK-licensed digital loan providers offering fast, secure mobile loans.
Digital lenders provide quick mobile loans through apps and USSD. BeiCompare lists only CBK-licensed Digital Credit Providers (DCPs) to ensure safety, transparency, and fair interest rates.
Digital lenders offer short-term loans through mobile apps. The Central Bank of Kenya regulates all Digital Credit Providers to protect consumers from hidden fees, harassment, and data misuse.
All lenders follow CBK rules.
Transparent interest rates.
Borrower protection enforced.
Your data stays safe.
Loans in minutes.
Compare interest rates, fees and repayment periods across CBK-licensed digital lenders.
Estimate your borrowing cost and daily repayment from any digital lender before you apply.
These figures are estimates only. Actual repayment terms vary by provider.
The Central Bank of Kenya added 32 new Digital Credit Providers (DCPs) in April 2026. These lenders are now fully approved to operate in Kenya.
Fast, flexible and regulated mobile credit.
Loans processed within minutes.
Borrow based on your credit behaviour.
CBK requires full disclosure of fees.
All lenders listed are CBK-licensed.
Getting a mobile loan is quick. Have these ready:
Answers to common questions about mobile loans.