Rate breakdowns and lender snapshots — no hype, just honest comparisons.
Kenyan resident
KWFT account
Regular income
APR
18.0–22.0%
Term
6–48mo
Amount
KSh5k–KSh2M
Type
Personal
APR
8.99–12.0%
Term
≤300mo
Amount
Up to KSh10
Type
—
APR
20.0–36.0%
Term
12–48mo
Amount
KSh200k–KSh5M
Type
Car_finance
Kenyan resident
Equity account
Regular salary
APR
14.0–17.0%
Term
12–72mo
Amount
KSh10k–KSh5M
Type
Personal
APR
14.0–18.0%
Term
12–48mo
Amount
KSh500k
Type
Car_finance
Kenyan resident
Ecobank account
Regular salary
APR
11.0–15.0%
Term
12–60mo
Amount
KSh20k–KSh3M
Type
Personal
Kenyan citizen or resident
Age 21+
Valid driving licence
APR
18.0–36.0%
Term
6–48mo
Amount
KSh100k–KSh2.5M
Type
Car_finance
APR
109.0–219.0%
Term
1–1mo
Amount
KSh500–KSh50k
Type
Personal
APR
13.0–17.0%
Term
12–72mo
Amount
KSh500k
Type
Car_finance
Kenyan resident
Stanbic account
Regular salary
APR
11.0–14.0%
Term
12–72mo
Amount
KSh50k–KSh5M
Type
Personal
Kenyan citizen or resident
Age 18+
Salaried or self-employed
APR
14.0–19.0%
Term
12–60mo
Amount
KSh500k
Type
Car_finance
APR
88.0–107.0%
Term
1–6mo
Amount
KSh50–KSh150k
Type
Personal
Kenyan citizen or resident
Regular income
Comprehensive insurance
APR
13.0–18.0%
Term
12–60mo
Amount
KSh500k
Type
Asset_finance
Kenyan resident
Age 18+
Regular salary
APR
13.0–16.0%
Term
12–72mo
Amount
KSh50k–KSh5M
Type
Personal
APR
90.0%
Term
1–1mo
Amount
KSh100–KSh50k
Type
Personal
Kenyan resident
NCBA account
Regular salary
APR
15.0–18.0%
Term
12–72mo
Amount
KSh20k–KSh5M
Type
Personal
Kenyan M-PESA user
Age 18+
Smartphone with Branch app
APR
24.0–108.0%
Term
1–12mo
Amount
KSh250–KSh70k
Type
Personal
Kenyan resident
Co-op Bank account
Regular salary
APR
15.0–18.0%
Term
12–72mo
Amount
KSh10k–KSh5M
Type
Personal
Kenyan resident
NBK account
Regular salary
APR
14.0–18.0%
Term
12–60mo
Amount
KSh50k–KSh3M
Type
Personal
Kenyan resident
KCB account
Regular salary
APR
15.0–18.0%
Term
12–72mo
Amount
KSh10k–KSh5M
Type
Personal
