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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