National Bank of Kenya (NBK) offers loans to eligible salaried individuals, homeowners and other customers. Borrowers can explore unsecured personal loans, residential mortgages, construction finance and financing secured against eligible properties. The right option depends on income, repayment capacity, the amount required and the bank’s current credit criteria.
Personal loans at National Bank of Kenya
NBK’s unsecured personal loan is designed for eligible employed customers, including borrowers whose employers participate in a salary check-off arrangement. The bank advertises a minimum loan of KSh 50,000, a maximum of KSh 6 million and a repayment period of 6 to 84 months. The amount actually approved depends on affordability and credit assessment.
National Bank describes pricing on a reducing-balance basis, with the interest rate linked to the Central Bank Rate (CBR) plus the applicable bank margin. Processing fees, insurance, taxes and other costs may apply. Request a personalised written illustration showing the full repayment amount before signing.
Mortgage loans and home finance
NBK provides mortgage options for buying completed residential properties, constructing a home, purchasing a plot for development, topping up an existing mortgage or releasing equity from an eligible property. The bank also publishes specialised schemes and diaspora housing-finance options.
Its residential mortgage product advertises financing of up to 90% of eligible property value and a maximum term of 25 years, subject to underwriting and the specific product rules. Valuation, legal charges, stamp duty, mortgage protection insurance and property insurance can affect the overall cost.
How to apply for a National Bank loan
- Choose a suitable loan or mortgage product on the official National Bank website.
- Check income requirements, acceptable collateral, repayment period and eligibility.
- Prepare identification, tax details, income evidence and bank statements as required.
- For mortgages, prepare property-sale, ownership and valuation documents where requested.
- Request the full interest-rate basis, repayment schedule, fees and insurance conditions.
- Submit your application through an authenticated NBK channel or a verified branch.
- Accept an offer only after checking the final loan agreement and repayment instructions.
Loan costs and repayment decisions
Compare monthly instalments with your regular living expenses and other debt repayments. Variable rates can change if their benchmark changes. Late payments may cause additional charges or affect your credit record, and secured loans may expose pledged assets to recovery if the agreement is not honoured. A bank’s published maximum loan does not guarantee an offer for that amount.
National Bank and Access Bank services
National Bank is a subsidiary of Access Bank Plc. The two Kenya banking operations are proceeding through an approved integration process and continue to provide services under their respective authorised arrangements. NBK customers can continue using their existing loan agreements and repayment channels unless directly informed by their bank of an official change. Do not follow unsolicited demands to transfer repayments to a new account.
Official loan information and assistance
- NBK loan product directory
- Unsecured personal loan
- Mortgage and property finance
- NBK customer services and integration guidance
