Personal banking in Kenya, in your pocket
Borrow against your car, finance a vehicle, or save and earn interest. Umba is a digital bank licensed by the Central Bank of Kenya, so you can do it all from the Umba app with no branch visits.
Loans and savings for you
Pick the product that fits what you need right now.
Logbook loans
Retain ownership, unlock capital. Use the value of your vehicle to access quick funding.
- Borrow up to 70% of your car's value
- Keep driving your car
- Funds disbursed within 6 hours of approval
Car finance
Finance the purchase of a new or used car, with the vehicle as security for the loan.
- Up to 70% car financing
- Processing time of 6 hours
Savings and fixed deposits
Earn high interest by saving flexibly or lock your savings.
- Earn up to 16.5% interest per annum
- Licensed by the CBK, deposits insured by KDIC
Explore more from Umba
We're Licensed. Regulated. Trusted
Umba Microfinance Bank is fully licensed by the Central Bank of Kenya (CBK) and our deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).
Deposits insured by
Apply in three simple steps
Get started with your application today. Our streamlined process makes it quick and easy.
Fill the application form
Provide your details and loan requirements in our simple online form.
Customer representative calls
We verify your details and discuss the best options for you.
Loan disbursed
Receive funds quickly once approved, directly to your account.