Ranking of banks in Kenya according to Interest rate

Find below a list  of best banks in Kenya according to lending rates of Personal Loans payable within 1-5 years as at December 15th. CBK defines personal lending as consumer loans granted by commercial banks to individuals for personal or household use.

The published lending rates by CBK for each commercial bank are the weighted average lending rate per loan category (in this case 1-5 years). The weighting is based on the loan volume for each borrower under each loan category and maturity.

Best Banks in Kenya according 1-5 year loans interest rates


  1. Guardian Bank-14.1
  2. National Bank of Kenya -14.7
  3. Family Bank-14.8
  4. Diamond Trust Bank-15.2
  5. Imperial Bank-16.0
  6. Kenya Commercial Bank (KCB)-16.6
  7. Co-operative Bank of Kenya-16.6
  8. Ecobank of Kenya -16.7
  9. Gulf African Bank -16.9
  10. Victoria Commercial Bank-17.1
  11. Transnational Bank-17.2
  12. Bank of Baroda-17.4
  13. Bank of India-17.5
  14. First Community Bank -18.0
  15. Development Bank of Kemya-18.4
  16. Oriental Commercial Bank-18.4
  17. Housing Finance Company-18.4
  18. Habib Bank-18.4
  19. I&M Bank-18.6
  20. Equitorial Commercial Bank-19.1
  21. Prime Bank-19.3
  22. Chase Bank of Kenya-19.3
  23. Bank Of Africa 19.8
  24. Barclays Bank of Kenya-19.8
  25. NIC Bank-20.0
  26. Jamii Bora Bank -21.0
  27. Fidelity commercial bank-21.0
  28. Equity Bank -21.3
  29. Commercial Bank of Kenya -21.3
  30. CFC Stanbic Bank-22.0
  31. Standard Chartered Bank of Kenya- 22.2
  32. Guaranty Trust Bank-23.7
  33. UBA Bank Kenya -24.1
  34. Middle East Commercial Bank-24.2
  35. Credit Bank -24.5
  36. Consolidated Bank-25.4
  37. K-Rep Bank -25.7
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The published interest rates by the Central Bank of Kenya are the average weighted lending rates for each type of loan product and the overall average weighted lending rates for each bank as at the end of a specified time period. As a result, the actual rates charged by the banks may be higher or lower than the published average rates. The actual rates are based on negotiations between the bank and the borrowing customers.

It should be noted that the published interest rates only constitute banks’ lending rates. Over and above these rates, banks may levy other fees and charges, including administration fees, processing fees, valuation fees, legal fees and commitment fees, among others. Therefore the effective rates charged by individual banks may be higher than these published interest rates depending on the other fees and charges levied on loan products by the specific bank.


Data sourced from Central Bank of Kenya and compiled /analyzed by Kenyayote

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