NCBA Bank has now made it easier for customers like you to access quick, flexible loans without ever stepping into a banking hall.

The bank has launched a Digital Personal Loan that allows Kenyans to borrow up to Sh1 million through the NCBA NOW App, as part of its “Lending for All” strategy to deepen retail banking access across the country.

With this new product, customers of NCBA Bank can now secure personal unsecured loans and overdrafts digitally fast, securely, and from anywhere in Kenya.

“Our latest Digital Personal Loan offering reinforces NCBA's commitment to leverage technology in providing innovative financial solutions that align with evolving needs of our customers,” said NCBA Group Director, Retail Banking, Dennis Njau.

Njau added: “Through the NCBA NOW App, customers can now access flexible financing options conveniently and securely, further enhancing their banking experience.”

Read More

  1. Four Kenyan Pros backed by NCBA tee off to chase Olympic dreams - PHOTOS
  2. Top 11 reasons why NCBA is the bank of choice for SMEs across Kenya
  3. NCBA, Car and General makes it easier for Kenyans, SMEs to acquire machinery

How to Apply:

1. Download the NCBA NOW App from your app store

2. Navigate to the “Now Loans” feature and apply directly

3. Alternatively, dial *USSD code 488#

The process is entirely digital, meaning there’s no paperwork and no branch visit.

Loan Features and Eligibility:

• Borrow up to Sh1 million

• Available to existing NCBA customers who have held a personal account for at least 6 months

• Repayment periods of 3 to 12 months

• Loans below Sh50,000 have a 3-month minimum tenure

• Comes with credit life insurance from NCBA Bancassurance, protecting borrowers and their families in case of unforeseen events

The Digital Personal Loan launch marks another step in NCBA’s push to simplify credit access for everyday Kenyans, especially in an economy where quick financing can make a difference in handling emergencies, school fees, or business support.

It also fits within the broader “Lending for All” agenda, through which NCBA Bank is rolling out more digital-first lending solutions over the course of the year.

This offering is enabling convenience and empowering Kenyans to take control of their finances, meet their goals, and build a better future via tech-enabled banking.