Big news for Kenyan borrowers! NCBA Bank has launched a new Digital Personal Loan that allows you to get unsecured loans of up to Sh1 million without ever visiting a bank branch.

This is part of NCBA’s “Lending for All” initiative to increase access to credit and offer more personalized, tech-driven banking solutions for everyday Kenyans.

What is the Digital Personal Loan?

This new loan product is available on the NCBA NOW App and *USSD code 488# and offers fast, flexible financing to NCBA’s retail banking customers. It’s designed to give you quick access to funds whether you need help with emergency expenses, school fees, business capital or home improvements.

Loan Features at a Glance

✅ Loan Amounts: From Sh1,000 to Sh1 million
✅ Loan Tenure:

  • Loans below Sh50,000: Minimum of 3 months

  • Loans above Sh50,000: Up to 12 months
    ✅ Flexible Repayment Plans: Choose a repayment period that suits you
    ✅ Credit Life Insurance: Comes with NCBA Bancassurance, covers you and your family in case of unexpected events

Who Can Apply?

To be eligible for the Digital Personal Loan, you must:

  • Be an NCBA personal account holder

  • Have banked with NCBA for at least 6 months

If you meet the above criteria, you’re just a few taps away from getting funds straight to your account.

How to Apply

Here’s how to get started:

  • Download the NCBA NOW App from the Play Store or App Store
  • Go to the “Now Loans” section
  • Or dial *488# on your phone
  • Follow the prompts and select the loan amount and repayment terms that suit you

Funds are disbursed instantly once approved.

Why This Matters

“Our new Digital Personal Loan is another way we are using technology to deliver solutions that meet the changing needs of our customers,”

— Dennis Njau, Group Director of Retail Banking, NCBA

More Kenyans are going digital, and this loan removes the traditional hurdles of paperwork, queues and delays—speed, security and simplicity.

Conclusion

In a world where flexibility is key, NCBA Bank’s Digital Personal Loan is the game changer. It gives everyday Kenyans quick access to credit through their mobile phones.

No paperwork. No waiting in line. Just instant, affordable credit when you need it.