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How To Borrow A KCB Mobile Loan - 2 ways

How To Borrow A KCB Mobile Loan – 2 ways

This article is about how to apply for a KCB mobile loan. KCB offers one of the fastest mobile loans in Kenya. With KCB Mobile Loans, you can get an instant loan between Kshs 1,001-300,000.

All you need is to register for KCB mobile banking.

Every time you borrow money, you will earn points (Simba Points) which can be redeemed for great rewards.

We have already told you have to activate KCB Mobile Banking here

KCB Mobile Loan Rates and Fees


It is a one-month loan with an interest rate of 7.13%.

KCB Mobile Loan conditions

  • One must have an active KCB account and register for KCB mobile banking
  • The account must be active for 6 months and at least 4 deposits during that period.
  • The account is always active and will not be transferred at any time.


A bank representative may call you at any time for further information as per the process.

You will never be asked for your PIN or password.

How To Borrow A KCB Mobile Loan


(I). Using USSD

  1. Dial *522#.
  2. Choose loans and financing.
  3. Choose KCB mobile phone rental.
  4. Select a loan request.
  5. Select a month.
  6. Enter the amount you want to borrow (must be within your loan limit).
  7. Select the KCB account where the loan will be deposited.
  8. Enter your KCB Mobile Banking PIN.
  9. Confirm the transaction and submit it.


The loan amount will be credited to your KCB account.

(ii). Using the KCB app

  1. Open the KCB app. Choose a loan.
  2. With KCB mobile loan, choose to borrow.
  3. Select the KCB account where the loan will be deposited.
  4. Select a month.
  5. Enter the amount you want to borrow and submit. (Must be within your loan limit).
  6. Enter KCB Mobile Banking PIN and confirm.


The loan amount will be credited to your KCB account.

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