KCB Bank Uganda Enhances Access to Personal Credit for Customers

As the year gains momentum, many Ugandans are realising that strong financial outcomes are rarely accidental. They are the result of early planning, intentional use of income, and access to flexible financial solutions that allow individuals to act decisively when opportunities arise. For salary earners in particular, timely access to credit can be the difference between staying reactive and building lasting financial security.

KCB Bank Uganda is repositioning borrowing as a tool for intentional financial planning through its Unsecured Personal Loan for salaried customers. By removing collateral requirements and simplifying access, the Bank enables customers to plan early, invest deliberately and pursue their goals with confidence, not as a last resort, but as a proactive financial choice.

Across the country, salary earners are increasingly seeking structured ways to use their income to unlock opportunity. For a mid-career professional planning to upgrade their qualifications, early access to financing can mean enrolling for a course before fees increase. For a young family, it can provide the capital needed to secure a home or invest in land while prices are still within reach. For others, it enables the launch of a side business or acquisition of productive assets without disrupting monthly cash flow.

“Starting the year with a clear financial plan is one of the most powerful decisions salary earners can make,” said Miranda Bageine Musoke, Head of Retail Banking at KCB Bank Uganda. “When income is used strategically and supported by the right financial solutions, it becomes a tool for growth, stability, and long-term security. Our role is to provide customers with strong options that empower them to move forward confidently,” she added.

Designed for individuals with serious goals, the loan offers access to substantial funding of up to UGX 500 million, with fast turnaround times of 48 hours. Flexible repayment periods of up to 120 months allow customers to spread repayments comfortably over time, supporting disciplined cash-flow management while protecting day-to-day financial stability. Competitive pricing further reinforces the loan’s suitability for planned, purpose-led borrowing rather than short-term fixes.

Beyond personal lending, KCB Bank Uganda continues to support customers through a broader ecosystem of financial solutions that strengthen long-term security. These include life and health insurance through bancassurance, working capital support for small businesses, mortgage financing and digital credit options such as MoPesa loans and credit cards for short-term liquidity needs.

According to Statista, nearly 70% of Ugandans identify limited access to credit as the primary barrier to achieving their financial goals. As more salary earners seek to move from reactive borrowing to intentional financial planning, access to flexible, well-structured credit early in the year is becoming increasingly critical.

By embedding its unsecured salary loan within a broader conversation about planning, ambition and financial confidence, KCB Bank Uganda is positioning itself as a trusted partner for customers who want to grow. Through its “For People. For Better” commitment, the Bank continues to deliver market-leading solutions that enable Ugandans to invest in their dreams, act without delay, and build financial security long before pressure sets in.

About KCB Bank Uganda

KCB Bank Uganda is a commercial bank in Uganda. The Bank of Uganda licenses it, the central bank and national banking regulator. The Bank has 15 branches spread across the country, 24 ATMs, 543 Bank Agents and 415 Merchant outlets. Its mission is “To drive efficiency whilst growing market share to be the preferred financial solutions provider in Africa with global reach.”