Secured Loan

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Personal Secured Loan

Is it high time you acquired that asset or do you have an investment opportunity that you just can’t pass up? The Personal Secured Loan will help you get started and with flexible repayment periods up to 72 months.

All you need is to have an active KCB account for a minimum of 3 months, and requisite security including title deeds, logbooks, share certificates, among others.



What We Need From You*

  • Employment contract Indicating terms and conditions of employment.
  • Stamped Pay slips for recent 3 consecutive months
  • Employment and salary certificates recently signed
  • Undertaking by employer to channel the borrower’s salary through his/her account with KCBR.
  • Bank statement for 6 months (If not banking with KCB)
  • One color passport photograph for the borrower and the guarantor
  • Loan clearance certificate / loan certificate (If not banking with KCB)
  • Photocopy of ID for Rwandese or Passport for foreigners
  • Marital status (Certificate of marriage, celibacy, Divorced & Widowed)
  • Guarantor’s photocopy of ID for Rwandese or Passport for foreigners (if applicable)
  • Well filled KCB loan application form
  • Positive CRB report
  • Promissory note
  • Valuation report for proposed security (Done by KCBR valuers) (If applicable)

Account Rates & Fees*

  • Processing fee Frw10,000
  • Top up Frw 5,000

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