Requirements to Get NIC Bank Unsecured Loan


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


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.

Features of the loan

Minimum loan amount is KES 100,000

Maximum loan amount is KES 4,000,000

Repayment period of up to 72 months






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