Equity Bank Kenya remains one of the most influential financial institutions in the country, committed to empowering individuals, businesses, and communities through accessible and innovative financial solutions. As we move through 2026, the bank continues to expand and refine its diverse loan portfolio—making it easier for customers to unlock opportunities in personal finance, business growth, agriculture, housing, and more.
This comprehensive guide breaks down all major Equity Bank loan products in 2026, including loan limits, interest rates, repayment terms, eligibility requirements, and application procedures.
1. Personal Loans: Realizing Your Individual Dreams
Equity Bank’s personal loan products are designed to help customers meet urgent and long-term personal needs such as education, medical bills, home improvements, and asset acquisition. These include standard personal loans, salary advances, and mobile-based Eazzy Loans.
Loan Details
- Loan Limits: KES 1,000 – KES 5,000,000
- Interest Rates: 13% – 16% per annum (reducing balance; varies by risk profile)
- Repayment Period: 1 month – 72 months (6 years)
Requirements
- National ID and KRA PIN
- Completed loan application form
- 3–6 months’ certified payslips (employed)
- 6–12 months’ bank statements
- Employer confirmation letter (for salary-based loans)
- Proof of residence
- Guarantors/collateral for higher loan bands
How to Apply
- Visit any Equity Bank branch
- Apply via Equity Mobile App or Equitel (for smaller, pre-approved loans)
- Contact customer care for support
2. Business Loans: Fueling Entrepreneurial Growth
From SMEs to large enterprises, Equity Bank offers versatile business loan options to help entrepreneurs expand operations, purchase assets, or stabilize cash flow.
Loan Details
- Loan Limits: KES 100,000 – Several million (based on turnover, business plan, collateral)
- Interest Rates: 14% – 18% per annum
- Repayment Period: 6 months – 60 months (or more)
Requirements
- Business registration documents
- Company KRA PIN
- Memorandum & Articles of Association (for companies)
- 12–24 months’ bank statements
- Audited financial records (last 2–3 years)
- Business plan + cash flow projections
- Collateral (land, logbooks, stock, assets)
- Director IDs and PINs
How to Apply
- Book an appointment with a Business Relationship Manager
- Present all financial and registration documents for assessment
3. Agribusiness Loans: Cultivating Agricultural Prosperity
Since agriculture remains the backbone of Kenya’s economy, Equity Bank provides specialized loans for farmers, agribusinesses, and value-chain players.
Loan Details
- Loan Limits: KES 20,000 – KES 20,000,000+
- Interest Rates: 12% – 16% per annum
- Repayment Period: 6 months – 48 months (aligned with crop/livestock cycles)
Requirements
- On-site farm appraisal by agricultural officers
- Proof of land ownership or lease
- Agribusiness plan
- Off-take agreements (optional but beneficial)
- Farm records and production history
- National ID & KRA PIN
- Collateral (land, machinery, livestock)
How to Apply
- Visit an Equity Bank branch or agribusiness agent
- Consult an agricultural lending officer for tailored guidance
4. Diaspora Loans: Connecting Kenyans Abroad to Local Opportunities
Equity Bank enables Kenyans living abroad to invest back home—especially in real estate, business ventures, or family support.
Loan Details
- Loan Limits: KES 500,000 – KES 50,000,000+
- Interest Rates: 13% – 17% per annum
- Repayment Period: 36 months – 120 months (up to 10 years)
Requirements
- Valid Kenyan passport + residency permit abroad
- Proof of foreign income (pay slips, employment contract, tax returns)
- Bank statements (last 6–12 months)
- KRA PIN
- Power of Attorney for representatives in Kenya
- Collateral (local property or acceptable security)
- Reference letters from foreign bankers
How to Apply
- Contact the Equity Bank Diaspora Banking team (email/phone/portal)
- Submit documents electronically or via local representatives
- Visit diaspora representative offices where available
5. Mortgage Loans: Owning Your Piece of Kenya
Equity Bank offers flexible mortgage solutions for buying, building, or renovating homes.
Loan Details
- Loan Limits: Up to 90% of the property value (up to KES 100M+)
- Interest Rates: 13% – 15% per annum
- Repayment Period: 10 – 20 years
Requirements
- National ID & KRA PIN
- Proof of income (employed or self-employed)
- 6–12 months’ bank statements
- Property valuation from an approved valuer
- Sale agreement or offer letter
- Title deed/lease documents
- Spousal consent (where applicable)
- Down payment (10–20%)
How to Apply
- Visit any branch and consult a mortgage advisor
- Submit all required documents for review
6. LPO Financing: Bridging Cash Flow Gaps for Suppliers
This short-term facility helps businesses fulfill Local Purchase Orders when working capital is insufficient.
Loan Details
- Loan Limits: Up to 70%–80% of the LPO value
- Interest Rates: 1.5% – 3% per month
- Repayment Period: 30 – 120 days (aligned with LPO payment cycle)
Requirements
- Valid LPO from a reputable institution
- Business registration documents
- KRA PIN
- 6–12 months’ bank statements
- Evidence of previous contract execution
- Off-taker payment undertaking
- Collateral for large facilities
How to Apply
- Present LPO and documents at any branch
- Work with a dedicated business banking manager
General Application Tips for All Equity Bank Loans
✔ Maintain a strong credit history
✔ Keep consistent bank statement activity
✔ Have all documents ready before applying
✔ Provide clear and honest information
✔ Read and understand all loan terms
✔ Utilize guidance from the bank’s relationship managers
Conclusion
Equity Bank Kenya continues to be a trusted financial partner for millions of customers in 2026. Whether you’re seeking personal financing, expanding a business, investing in agriculture, buying a home, or funding a contract, the bank provides tailored loan products to meet diverse financial goals.
By understanding the requirements and terms of each loan, you can confidently choose the right solution for your needs—and make informed decisions that support long-term growth.
Disclaimer
This article is for informational purposes only. I am not Equity Bank, and I have no affiliation with it. Loan terms, interest rates, and requirements may change at any time. Please contact Equity Bank Kenya directly for the most accurate and up-to-date information.