Access Bank Kenya provides personal, vehicle and business loans to eligible individuals, employees and enterprises. Its Kenyan banking business includes operations developed from TransNational Bank. Borrowers can enquire about salary-linked personal loans, car and tractor financing, working capital and other facilities through the bank’s verified offices.
Access Bank Kenya and National Bank of Kenya
Access Bank PLC acquired TransNational Bank in 2020 and the institution subsequently operated as Access Bank Kenya. Access Bank also acquired National Bank of Kenya in 2025. An approved integration process is bringing the two Kenya businesses together; the banks state that existing accounts, facilities and banking instructions continue under their current arrangements until formally communicated changes take effect. Customers should verify loan-repayment instructions directly with their bank.
Mpower personal loans
Mpower is a salary check-off loan offered to eligible employees whose employers have an agreed arrangement with Access Bank. Funds may be used for qualifying personal purposes such as education, medical expenses, household purchases and other planned needs.
Access Bank’s product page describes terms of up to 60 months, with a top-up possibility after an initial repayment period. Published product materials can differ on the maximum amount, so obtain the current loan offer, borrowing limit, interest rate and charges directly from the bank rather than assuming that every applicant receives the same terms.
How to qualify for an Mpower loan
- Work for an eligible employer with the necessary Access Bank agreement.
- Provide a valid national ID and KRA PIN.
- Supply certified salary payslips for the last three months.
- Obtain the employer introduction letter or supporting employment verification requested.
- Complete the bank’s loan application and consent to affordability checks.
- Review the final monthly deductions and repayment schedule before accepting.
Access Bank auto loans
Access Bank’s auto-financing programme supports eligible purchases of new and used vehicles, including private cars, commercial vehicles, school buses and tractors. The bank publishes financing and repayment terms that depend on the vehicle type and age. Applicants should confirm deposit contribution, insurance, acceptable suppliers, valuation and total cost.
- For a new private or commercial vehicle, the bank advertises financing of up to 90% with a term of up to 60 months.
- For qualifying new school buses, it advertises up to 90% financing and a repayment period of up to 48 months.
- For qualifying tractors, it advertises financing of up to 80% and terms of up to 48 months.
- Used-vehicle terms depend on age, vehicle category and the bank’s current credit rules.
Business, stock and contract financing
Access Bank also provides eligible businesses with short-term working capital, overdrafts, and financing linked to local purchase orders or other accepted contracts. Business borrowers may be asked for registration information, financial statements, banking history, invoices, cash-flow projections and security or guarantees, as applicable.
How to apply for an Access Bank loan
- Choose the loan type that matches your financial need.
- Visit the official Access Bank Kenya product page or a verified branch.
- Ask for the current minimum and maximum amounts, eligibility and repayment term.
- Prepare the bank statements, income evidence, business or vehicle documents required.
- Request a written breakdown of interest, processing costs, insurance and other fees.
- Complete the application and await an individual bank credit assessment.
- Check the total repayable and approved payment instructions before signing.
Interest, fees and responsible borrowing
The bank describes interest on selected loan products as its prevailing base rate plus a margin. The specific rate, applicable fees and insurance depend on the product and customer. An advertised financing percentage or maximum loan is not a guarantee of approval. Late repayments can lead to additional charges and credit-reporting consequences; secured loans may put assets at risk.
Access Bank Kenya support
General customer care: 0711 082 000. WhatsApp: 0704 331 786. Its head office is listed at The Address, off Muthangari Drive, Nairobi. Confirm any instructions relating to accounts or the ongoing integration through the bank’s official channels.
Official sources and useful links
- Access Bank Kenya loan products
- Mpower check-off loan requirements
- Auto-loan products and terms
- Business credit and working capital
- National Bank customer integration notice
