At Standard Chartered, we understand that there are many things you want and need for your family. The best education for your children, make improvements on your home, take advantage of a great investment opportunity, post-graduate studies for yourself, a much-needed overseas holiday for the whole family.

Even better, your dream can become a reality sooner with our fast loan processing. We are committed to processing your Personal Loan in the 3 working days, guaranteed.* The money will be in the bank on the 4th working day. If we take any longer you get 3,000 KES no questions asked.

We offer 2 types of personal loans

  1. Personal Loan

    This is an unsecured personal loan facility for salaried customers who channel their salaries through a Standard Chartered Bank account.

  2. Scheme Loan
    The Scheme loan is a personal loan for employees of a company, which is administered through an agreement between Standard Chartered Bank and any participating company; in most instances, the repayment is made directly from payroll. This loan is also tailored to meet personal expenditure.


3 day loan payout guaranteed
Important Note
The 3 working day loan processing is not applicable when:
  • Amount approved is less than 70% of applied loan amount
  • Bank awaits your salary into your account
  • Employer letter not submitted with application (for companies with a loan scheme arrangement with Standard Chartered Bank)
  • Employer call back confirmation is more than 1 day
  • Disbursement to other banks by RTGS will be done on the fourth day but no guarantee for account to be credited on the same day
Documentation you need:
  • Valid telephone numbers and addresses
  • Copy of ID / Passport
  • Proof of income (e.g. payslip)
  • Copy of work permit (where applicable)
  • Credit Insurance application form
  • Letter from your employer (scheme loans / specific company / new account holders)
  • Proof of residential address (Non - Standard Chartered Bank account holders only)
  • Certified salary account statements – last 6 months (Non - Standard Chartered Bank account holders only)
  • Certified loan account statements – last 6 months (balance transfer loans only)
  • Competitive interest rates
  • No security needed
  • Flexible repayment periods of 6 - 72 months
  • Borrow up to Kes.4,000,000
  • Loan top up via Mobile Banking. Dial *722#
  • Credit Life & Retrenchment Insurance Policy
  • Convenience and easy access; service at your doorstep.


    • A minimum gross salary of Kes 15,000 per month for Scheme loan and Kes 40,000 per month for Personal loan.


  •     Documents Required
    1. Standard Chartered Bank Customers
      • Proof of income (Certified copy of pay slip)
    2. Non-Standard Chartered Bank Customers
      • Introduction letter from employer on company letterhead
      • Six months original bank statements from current bankers
      • Copy of ID / Passport
      • Proof of income (Certified copy of pay slip)
      • One passport size photograph


Please fill in the following information for an estimation of your repayment amount. The Approximate Monthly Repayment figure for Personal Loan is indicative and is not meant to be final or binding on the Bank. The Bank reserves the right to determine the final amount that can be borrowed.




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