KCB Bank has upgraded its mobile experience to make borrowing easier, faster, and more accessible for every Kenyan. Through the New KCB Mobile App, users can now access up to Ksh1 million instantly—no long queues, no paperwork, and no waiting days for approval.
The new app brings all KCB services to your fingertips, from managing accounts to paying bills and applying for flexible loans designed around your financial goals. Here’s a complete guide on how to borrow instantly using the New KCB Mobile App.
How to Borrow Instantly on the New KCB Mobile App
The revamped New KCB Mobile App is a one-stop digital banking platform that lets users open accounts, transfer funds, track spending, and apply for loans quickly and securely. Whether you’re dealing with an emergency, need cash for business, or want to finance a dream purchase, the app gives you control.
To get started, download the app from Google Play or the App Store, log in with your credentials, and navigate to the “Loans” tab. There, you can view your loan limit and explore loan options suited to your financial profile.
| Loan Type | Maximum Amount | Repayment Period | Collateral Required | Processing Time |
|---|---|---|---|---|
| KCB Flexi Loan | Ksh1,000,000 | 1 day – 12 months | No | Instant |
| KCB Salary Advance | Ksh500,000 | Up to 6 months | No | Instant |
| Personal Unsecured Check-Off | Ksh10 million | Up to 10 years | Employer guarantee | Within 24 hours |
| Masomo Loan | Ksh4 million | Up to 24 months | No | Within 48 hours |
| Personal Car Loan | Varies by vehicle | Up to 72 months | Yes | 24–48 hours |
Let’s take a closer look at the key loan options available on the New KCB Mobile App.
KCB Flexi Loan Explained
The Flexi Loan is among KCB’s most popular products, offering flexibility and speed. You can borrow multiple small loans within your approved limit—say, Ksh5,000 on Monday, Ksh3,000 midweek, and Ksh2,000 over the weekend—and get all disbursed instantly.
Loan Amount: Between Ksh1,000 and Ksh1 million
Repayment: 1 day to 12 months
Interest Rate: Starts from 1.2% per month
Requirements:
- Active KCB account for at least six months
- Installed KCB Mobile App
- Good credit history
Benefits:
- Instant disbursement
- Fully digital process
- Flexible repayment timelines
It’s ideal for customers who want control over their borrowing and repayment schedules without collateral or paperwork.
KCB Salary Advance Overview
When payday feels too far, the Salary Advance loan can be a lifeline. It offers salaried KCB account holders access to short-term cash relief in minutes.
Loan Amount: Up to Ksh500,000 (or 1.5 times your salary)
Repayment: Up to 6 months
Requirements:
- Salaried KCB account holder
- Active account for at least 3 months
Benefits:
- Quick approval and instant disbursement
- Minimal paperwork
- Perfect for covering emergencies or unexpected expenses
With the New KCB Mobile App, applying for a Salary Advance takes less than five minutes, and funds are deposited straight into your account.
KCB Unsecured and Secured Loans Overview
KCB Bank offers both unsecured and secured loans through the mobile app to fit diverse financial needs.
Unsecured Loans:
These loans require no collateral and are based on your creditworthiness. Examples include the Masomo Loan for education, the Personal Unsecured Check-Off Loan, and the Non-Check-Off Loan.
- Masomo Loan funds between Ksh100,000 and Ksh4 million for tuition and study-related costs.
- Check-Off Loans let you borrow up to Ksh10 million, repayable through employer deductions for up to 10 years.
Requirements:
- Active KCB account for at least three months
- Valid ID or passport
- Latest payslips or proof of income
- Admission letter (for Masomo Loan)
Benefits:
- No collateral needed
- Easy repayment terms
- Fast approval
Secured Loans:
If you own valuable assets like a car or property, KCB’s Secured Loans offer higher limits and longer repayment periods.
For example:
- Personal Car Loan: Up to 100% financing for commercial vehicles or 95% for personal cars, with repayment periods of up to 72 months.
- Personal Secured Loan: Based on your security value, repayable in up to 10 years.
Benefits:
- High financing limits
- Long repayment duration
- Competitive interest rates
| Loan Type | Minimum Loan | Maximum Loan | Repayment Period | Ideal For |
|---|---|---|---|---|
| Flexi Loan | Ksh1,000 | Ksh1,000,000 | 1–12 months | Emergencies and short-term needs |
| Salary Advance | Ksh5,000 | Ksh500,000 | Up to 6 months | Salaried customers |
| Masomo Loan | Ksh100,000 | Ksh4,000,000 | Up to 24 months | Education costs |
| Car Loan | Based on valuation | 95–100% financing | Up to 72 months | Vehicle purchase |
| Secured Loan | Depends on asset value | Based on security | Up to 10 years | High-value projects |
Why Use the New KCB Mobile App for Loans
The New KCB Mobile App stands out for convenience, reliability, and transparency. It eliminates paperwork, long queues, and delays, allowing Kenyans to borrow money instantly wherever they are.
Key Advantages:
- All-in-one digital banking solution
- Real-time loan disbursement
- Competitive rates and transparent charges
- Full control over your loan and repayment schedules
You can download the New KCB Mobile App from Google Play or the App Store and even open a new account within minutes. Whether you’re applying for a Flexi Loan, a Salary Advance, or a Masomo Loan, everything happens directly on your phone—making KCB’s promise of “For People, For Better” a reality for every Kenyan.
