As of March 2026, the Kenyan banking sector exhibits a notable disparity in lending costs, with ten specific financial institutions charging the highest interest rates to borrowers. Bank of Africa Kenya Limited currently leads this list, imposing the highest rate at 18.57 per cent. It is closely followed by Credit Bank PLC at 17.97 per cent and Access Bank (Kenya) PLC at 17.83 per cent. Other notable lenders exceeding the 17 per cent threshold include SBM Bank Kenya Limited, Kingdom Bank Limited, and HFC Limited. The list concludes with Development Bank of Kenya Limited, Middle East Bank (K) Limited, Family Bank Limited, and DIB Bank Kenya Limited, which maintain rates ranging between 15.88 per cent and 16.16 per cent for their respective loan products.