RW
TZ
UG
GROUP
Personal Loans
Overdrafts
Our personal overdraft service is perfect for you if you’re looking for a flexible and instant line of credit that allows you to overdraw your account without a penalty.
Features
- To be eligible, the customer’s salary must be routed through the bank. If that’s not the case, an overdraft must be secured.
- To qualify for an overdraft, a one year minimum period of banking with NCBA is required.
- Overdraft is available in Kenya Shillings or in major foreign currencies such as US Dollars, Euros, and British Pounds.
- Interest is only charged on the amount drawn.
Personal Loans
Acquire assets, accomplish your goals and move further with secured and unsecured personal loans custom-made to suit your lifestyle.
Are you interested in NCBA’s Personal Loans? Let’s contact you to discuss further
Salary Advance
You don’t have to wait until payday to access funds to address a pressing financial need.
The NCBA Salary advance offers you short-term financing through your salary account.
With the Salary Advance, you enjoy:
- Up to KES 250,000 based on your salary.
- Flexible repayment period of up to 6 months.
- Fast processing of 12 hours upon submission of a complete application form.
To apply, download the application form below and submit it at your nearest NCBA branch
Salary Advance Application
15 JAN 2024 | 418 KB
M-shwari
M-Shwari is a suite of banking products that are offered to M-PESA customers via their handset to enhance the M-PESA value proposition.
With M-Shwari, one has access to Deposit and Loan products that are convenient, reliable, and cost-effective for making micro-savings and taking micro-loans.
With the Mshwari, you enjoy:
- Convenience of Mobile Banking
- Mobile-centric, safe and fast service.
- No minimum balance
- No ledger fees
- No transactional charges between M-Shwari & M-Pesa
How M-Shwari works
We believe that everyone deserves a place to call home. That’s why our affordable housing initiative is designed with you in mind.
- Income: Earn a gross income of KES 150,000 or less.
- Partners: Couples can combine their incomes as long as the total doesn’t exceed KES 150,000.
M-Shwari Loan FAQs
Low Interest Rates: Enjoy competitive interest rates starting from just 9.5%.
Flexible Repayment: Spread your payments over a convenient 25-year period.
Generous Financing: Get up to 105% financing, covering even legal and stamp duty fees.
Accessibility: Our program is designed for individuals earning up to KES 150,000 per month. Couples can combine incomes to qualify.
Wide Reach: Available in major towns across Kenya.
Fuliza Mpesa
NCBA Mobile Loans
Getting you over that cash crunch
Getting you over that cash crunch
Massa a nulla lacus feugiat amet vitae. Lobortis ultrices nulla fusce consectetur mauris.
Vitae elementum diam aliquam dolor vitae massa arcu adipiscing. Quis lectus ultrices ut non neque volutpat ultricies ut adipiscing.
