The loan is designed for salaried employees and is available through check-off and non-check-off arrangements. DTB will assess your income, financial commitments, banking and credit history, documents and ability to repay before confirming eligibility.

Yes. The DTB Unsecured Loan does not require property or another asset as security. You must still meet DTB’s eligibility and affordability requirements and provide the required employment, income and identification documents.

The DTB Unsecured Loan ranges from KES 50,000 to KES 6,000,000. The amount approved depends on your verified income, current commitments, credit history, repayment capacity and DTB’s lending criteria. The maximum is not guaranteed.

Your loan limit is determined by your income, existing financial commitments, repayment capacity and financial history across lenders, together with DTB’s current credit-assessment requirements.

The repayment period is from 6 to 96 months. The term offered will depend on the amount borrowed, your repayment capacity, the applicable arrangement and DTB’s approval.

Select “Get In Touch”, send an enquiry to DTB or visit a DTB branch. You will need to complete the application form and provide the required payslips, bank statements where applicable, employer letter, identification and KRA PIN documents.

Processing begins once DTB receives a complete application and all required supporting documents. The final turnaround time may vary depending on document verification, the employer arrangement, credit assessment and any additional information required. Confirm the current service timeline when applying.

For the DTB Unsecured Loan, provide your latest three months’ payslips, six months’ certified bank statements if you do not bank with DTB, an employer introduction letter in the prescribed format, certified ID or passport, certified KRA PIN certificate and a completed application form.

The current requirements allow applications from customers who do not bank with DTB, provided they submit six months’ certified bank statements. DTB will confirm any account-opening, salary-routing or repayment requirements during the application process.

No. The current DTB product information states that your employer does not need an MOU with DTB. You may apply through a branch or contact DTB for the current application process and required employer documentation.

With a check-off loan, the agreed repayment is deducted through an employer-supported payroll arrangement. With a non-check-off loan, repayment is made through the agreed banking instruction without employer payroll deduction. DTB will confirm the arrangement available to you.

The current product information lists a one-off processing fee of 2.5% of the loan amount, 20% excise duty on the processing fee, interest on a reducing-balance basis and a credit-life insurance premium of 0.036%. Rates and charges may change, so request the total cost of credit before accepting the loan.

The current product information states that interest is charged on a reducing balance. This means interest is calculated on the outstanding loan balance as it reduces through repayment. The applicable rate depends on the arrangement and prevailing market and regulatory conditions.

Compare the total cost of credit, interest calculation method, processing and insurance fees, repayment term, monthly instalment, loan limit, eligibility, early-settlement conditions, lender credibility and customer support. Choose a repayment amount that remains affordable after your essential monthly expenses.

Yes. An unsecured personal loan can support personal needs such as medical expenses, home upgrades, travel or other planned and unexpected costs, subject to DTB’s assessment and the facility terms. Borrow only what you can repay comfortably.

Yes. The balance-transfer feature may allow you to combine qualifying loans held with other banks into one DTB loan. DTB will assess the existing facilities, settlement amounts, affordability and applicable terms before approving a transfer.

Loan consolidation uses a new facility to settle qualifying existing debts, leaving you with one repayment arrangement. It may simplify repayments, but you should compare the new total cost, term, fees and monthly instalment before proceeding.

Yes. A top-up may be available if you have serviced your current monthly instalments on time for at least six months and meet DTB’s top-up and affordability criteria.

You should have made timely repayments, have no arrears, have serviced the existing loan for more than six months and have no previous default. DTB will also reassess your income, commitments, credit history and repayment capacity.

You may still apply, but DTB will consider your existing loan repayments and other financial commitments when assessing affordability. A balance transfer may be considered where consolidating qualifying facilities is more suitable.

Yes. Your financial history across lenders is one of the factors used to assess eligibility and the loan amount. Existing arrears, defaults or high monthly commitments may affect approval or reduce the amount available.

The product includes credit life and retrenchment insurance intended to cover repayments in specified cases such as retrenchment, accidental death or accidental permanent disability. Cover is subject to the insurer’s policy definitions, exclusions, limits and claim requirements.

Contact DTB immediately. Retrenchment insurance may apply in defined circumstances, but cover is not automatic and depends on the policy terms and claim assessment. Continue following DTB’s repayment instructions unless advised otherwise.