Commercial banks with the highest interest rates: Lending interest rates

Commercial banks displayed a stark difference in the cost of borrowing money in August 2025.

The highest lending rates recorded pushed close to 20%, making loans significantly more expensive for customers of certain institutions.

Leading the charge for the most costly credit was Access Bank (Kenya) PLC at 19.79%. This was followed closely by Credit Bank PLC, which charged a rate of 19.44%.

Middle East Bank (K) Limited and HFC Limited occupied the next spots, with rates of 18.77% and 18.62% respectively.

Rounding out the five most expensive lenders was UBA Kenya Bank Limited at 18.54%.

These figures highlight a competitive landscape where borrowers face a wide differential in pricing, directly impacting their repayment burden and overall cost of finance.