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How to apply UNSECURED PERSONAL LOANS from NIC bank Kenya

By taking up an unsecured personal loan with NIC, they will not need you to provide any property or collateral to ‘secure’ or guarantee the loan.

Loan Features

  • Minimum loan amount is KES 100,000
  • Maximum loan amount is KES 4,000,000
  • Repayment period of up to 72 months


  • Certified copy of ID/ valid Passport for non – Kenyans
  • KRA PIN Certificate/ equivalent tax certificate for Diaspora clients .
  • Latest three (3) months pay slips (6 for commission staff)
  • Latest six (6) months bank statements (12 for commission staff)
  • Proof of residence document
  • Letter from employer (In NIC Bank format )
  • Check off letter (where applicable)
  • Current Contract Letter must be provided by Customers employed on contract, Commission income earners and expatriates.
  • Rental income should be channeled through NICB account & Original or certified true copy of tenancy agreement provide, supported by Deed of Rental Assignment upon loan approval.

NIC House
Masaba Rd. Upperhill.
P.O.Box 44599-00100,
Nairobi Kenya
Fax: +254 (20) 2888505
Mobile:  +254 (711)041 111/ +254 (732)141 111

Contact Information

NIC House, Masaba Rd, Upperhill
P.O.Box 44599-00100,
Fax: +254 (20) 2888505
Mobile: (+254) 0711 041 111/0732 141 111
SMS: 20488
Swift Code: NINCKENA

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