Need Help?


Plot Loans

We finance plot purchasing in Nairobi, Mombasa and other major urban and rural areas within major towns for up to 70% of the plot value. Pay comfortably with tenors ranging from 36 to 72 months. 


  • Loan facility fees of 1% of the loan value for local clients, and 2% for diaspora clients.
  • Minimum loan amount is KES. 500,000

I am interested


A flexible, short term working capital financing facility on your business current account. Funds are available immediately and repayable on demand, giving you extra funds to manage your day to day cash flow and working capital needs.


  • Maximum repayment period of 12 months.
  • Flexible loan amount determined by business need and cycle.
  • Tenor period is renewable after 1 year and based on repayment performance.
  • Repayment is done through credits to your business current account.

I am interested

Contract Finance

Get flexible, short term trade loans to fund your trade transactions at necessary points of your business journey between concept to delivery. For customers with needs around LPO Financing, Invoice Discounting, Distributor Financing, Reverse Factoring, among others. Enjoy exclusive individual credit limits and flexibility based on existing and projected income streams.


  • Financing is up to 70% of the contract amount.
  • Maximum repayment period of up to 12 months depending on the expiry date of the contract.
  • Earn an improved credit standing and reputation due to timely payments.
  • Flexibly structured to suit your firm’s trading cycle.

I am interested

Real Estate Finance Loan

Whether you need financing for complete construction or to finance business needs requiring longer term credit, we offer financing on construction and property purchase in areas approved by the District Master Plan.


  • Financing is up to 70% of the cost of construction.
  • Flexible terms and repayment periods tailored specifically to your project.
  • Loan amount is determined by business financing need and serviceability.
  • Repayment period of up to 60 months on construction loans.
  • Repayment period of up to 60 months on property purchase loans.

I am interested

Residential Mortgage

NCBA is here to help you get your dream home. With flexible repayment terms, competitive pricing and up to 80% financing, becoming a homeowner is now an achievable goal.


  • Loan financing amount of up to 80% for either property purchase or construction loans.
  • Mortgage repayment periods of up to 20 years.
  • Maximum applicable interest rate of 16% per annum.
View Cards

I am interested

Income Generating Mortgage

This is a loan product available to individuals or companies that would like to finance properties for rental purposes. Build or purchase property and become a landlord with up to 70% financing, depending on the project.


  • Financing is according to collateral value of property.
  • Repayment period of up to 10 years.
  • Maximum applicable interest rate of 16% per annum.

I am interested

Diaspora Mortgage

This product is designed for Rwandese living abroad seeking to finance their homes in Rwanda and built to help you get the best mortgage solutions back at home for residential or commercial purposes.


  • Loan financing amount of up to 70% of the lower of the property Open Market Value or cost.
  • Repayment period of up to 20 years.
  • Maximum applicable interest rate of 16% per annum.

I am interested

Unsecured Bid Bonds

For construction jobs or projects with similar processes. Ensure that your contractors comply with bid contracts and fulfil their job through NCBA Bank’s unsecured bonds. Our bid bonds will provide the beneficiary with a guarantee or compensation in the event that:

  • The bidder withdraws their offer before the expiry date.
  • The bidder refuses to sign the contract after it is awarded.
  • The bid bond is not replaced with a performance bond after the contract has been awarded.


  • Compensation on amount of RWF 50Mln per Bid Bond and RWF 2 Billion per customer.
  • Repayment periods of up to 360 days subject to tender provisions.

I am interested

Asset Finance

NCBA takes asset finance to the next level. You can now look forward to a streamlined process, making it simpler, easier and faster, plus a choice of specialised finance for acquisitions of all forms of movable assets.

Loan amount

The amount depends on the cost of the asset.


Depending on the lifespan of the asset. For example:

  • New car: 48 months
  • Used car: 36 months
  • Motorcycle: 24 months

Interest Rate

Base rate +/- margin basing on:

  • Level of the risk associated with the deal.
  • Other business opportunities with us.
  • Fees

    • File opening fee: RWF 25,000 + VAT
  • Search fee

    I am interested

  • Log Book Loans

    The NCBA logbook loan product aims to give individuals and businesses access to quick financing to enable them to meet their emergency needs for immediate cash.

    You are able to borrow cash against an owned vehicle, provided it’s not under any finance.


    • Minimum loan amount- RWF 1 Million
    • NCBA Bank Rwanda will finance up to 30% of cars under 12 years for a repayment period of 3 years.
    • Logbook loan applicable to Private and commercial vehicles only, i.e. Trucks, Saloon cars and pickups. PSV vehicles such as buses, Matatus, Taxis, etc. – Not applicable


    • Access to quick financing against the car value.
    • Repayment cycle based on customer’s income cycle.
    • Loan application feedback in 48 hours.

    I am interested

    Mortgage 105%

    This is a home ownership solution tailored for 1st-time homeowners and those seeking to invest in another primary residence. With this home ownership financing solution, you can buy or build a new home with financing up to 105% of the property value. The amazing benefits include.
    • No Down payment -deposit required.
    • Repayment period of up to 20 years,
    • A pre-approved VISA credit card to assist with all other household requirements. If you are an aspiring first-time homeowner, NCBA’s 105% Mortgage is your number ONE option. Set aside your deposit for that special side hustle, and build your business, our 105% mortgage finance makes it all possible.
    Mortgage 105 FAQs

    I am interested

    Sounds like a deal?