SBM Bank Kenya Limited Interest Rate Report

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The following are the average % interest rates charged by the bank featured on the cost of credit service.

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

20.73%
Last updated on: 07/03/2025

Mortgages 1-5 Years

21.62%
Last updated on: 07/03/2025

Personal Secured Loan Up to 1 year

21.10%
Last updated on: 07/03/2025

Personal Secured Loan Up to 5 years

21.26%
Last updated on: 07/03/2025

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

21.59%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 5 years

20.83%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 6 Years

21.46%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 10 years

20.97%
Last updated on: 07/03/2025

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

22.21%
Last updated on: 12/09/2024

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

The following are the minimum % interest rates charged by the bank featured on the cost of credit service.

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

14.75%
Last updated on: 07/03/2025

Mortgages 1-5 Years

20.95%
Last updated on: 07/03/2025

Personal Secured Loan Up to 1 year

19.05%
Last updated on: 07/03/2025

Personal Secured Loan Up to 5 years

17.85%
Last updated on: 07/03/2025

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

18.85%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 5 years

12.25%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 6 Years

15.50%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 10 years

14.75%
Last updated on: 07/03/2025

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

17.50%
Last updated on: 12/09/2024

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

The following are the maximum % interest rates charged by the bank featured on the cost of credit service.

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

21.85%
Last updated on: 07/03/2025

Mortgages 1-5 Years

21.85%
Last updated on: 07/03/2025

Personal Secured Loan Up to 1 year

21.85%
Last updated on: 07/03/2025

Personal Secured Loan Up to 5 years

21.85%
Last updated on: 07/03/2025

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

21.85%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 5 years

22.60%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 6 Years

21.85%
Last updated on: 07/03/2025

Personal Unsecured Loan Up to 10 years

22.35%
Last updated on: 07/03/2025

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

23.10%
Last updated on: 12/09/2024

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Mortgage

N/A

Mortgages 1-5 Years

N/A

Personal Secured Loan Up to 1 year

N/A

Personal Secured Loan Up to 5 years

N/A

Personal Secured Loan Up to 10 years

N/A

Personal Unsecured Loan Up to 1 year

N/A

Personal Unsecured Loan Up to 5 years

N/A

Personal Unsecured Loan Up to 6 Years

N/A

Personal Unsecured Loan Up to 10 years

N/A

Disclaimer

These are indicative rates to guide you in your planning. If you are interested in a bank loan, you should contact the bank directly for an official statement of the interest rate for the facility you wish to borrow. The interest rates may vary based on your risk score.