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

Thanks to our personal loan, your dream could become a reality sooner with our fast loan processing service. We guarantee* we'll process your Personal Loan in just three working days. The money will be in the bank on the fourth working day, or you'll receive KES 3,000.

We offer two types of personal loans in Kenya:

  1. Personal Loan

    An unsecured personal loan facility for customers who receive their salaries in a Standard Chartered 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 organisation. In most cases, repayments are 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 is waiting for your salary to be paid 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 mn
  • Loan top up via Mobile Banking. Dial *722#
  • Credit Life & Retrenchment Insurance Policy
  • Convenient and easy to 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-sized photograph


Please fill in the following information for an estimation of your repayment amount. The Approximate Monthly Repayment figure for Standard Chartered's 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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