In March 2026, the Central Bank of Kenya released a comprehensive report identifying the ten most affordable financial institutions for borrowers based on current lending interest rates. Citibank N.A Kenya emerged as the market leader, offering the lowest interest rate at 10.80 percent. Following closely were Stanbic Bank Kenya Limited at 11.75 percent and Standard Chartered Bank Kenya Limited at 11.87 percent. The list also featured Habib Bank A.G Zurich at 12.66 percent, Guardian Bank Limited at 13.56 percent, and Bank of Baroda Kenya Limited at 13.75 percent. Rounding out the top ten were ABSA Bank Kenya PLC, Consolidated Bank of Kenya Limited, Paramount Bank Limited, and Prime Bank Limited, which maintained rates between 14.00 and 14.09 percent for consumers seeking credit.