Most expensive banks to get loans from

As of March 2026, the lending landscape in Kenya reveals a significant range in interest rates among the top 10 most expensive financial institutions for borrowers.

Leading this list is the Bank of Africa Kenya Limited, which holds the highest lending interest rate at 18.57 per cent.

It is followed closely by Credit Bank PLC and Access Bank (Kenya) PLC, which offer rates of 17.97 per cent and 17.83 percent respectively.

Other institutions exceeding the 17 per cent mark include SBM Bank Kenya Limited at 17.65 per cent, Kingdom Bank Limited at 17.43 per cent, and HFC Limited at 17.09 per cent.

The lower end of this top ten bracket includes the Development Bank of Kenya Limited at 16.16 per cent and Middle East Bank (K) Limited at 16.07 per cent.

Finally, Family Bank Limited and DIB Bank Kenya Limited round out the list with rates of 15.92 per cent and 15.88 per cent.