High-yield savings, instant loans & digital banking in Kenya
Access quick logbook loans, flexible car financing, and earn up to 16.5% interest p.a. on fixed savings. 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.
Quick loans & high-interest savings
Pick the product that fits what you need right now.
Logbook loans (up to 70% in 6 hours)
Get cash in 6 hours while continuing to drive your car.
- 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
Fixed deposit & high-yield savings
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.