NCBA Now Loan Calculator Kenya 2026

Calculate your instant NCBA Now salary advance. 4% negotiation fee + 20% excise duty on fees.

⚠️ Important: NCBA Now charges 4% negotiation fee + 20% excise duty on the fee. Repayment is deducted from your next salary.
KES 5,000 KES 10,000 KES 25,000 KES 50,000 KES 100,000
Maximum: Up to 50% of your net salary. Min: KES 1,000
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When will you receive your next salary? Repayment will be deducted automatically.
Please enter a valid loan amount and select a future salary date.
🏦 About NCBA Now

NCBA Now is an instant salary advance product with these features:

  • Instant Approval: Get funds in minutes via M-Pesa
  • 4% Fee: One-time negotiation fee on amount
  • 20% Excise: Government excise duty on the fee
  • No Collateral: Unsecured, based on salary
  • Auto-repayment: Deducted from next salary

Available to employees of partner companies through NCBA bank.

Compare NCBA Now with other instant loan options in Kenya. See total cost and fees.

Amount you need to borrow
Please enter a valid loan amount.
📊 Understanding Loan Costs
  • NCBA Now: 4% fee + 20% excise
  • M-Shwari: 7.5% facilitation fee
  • KCB M-Pesa: 7.5% fee for 30 days
  • Branch: Varies by customer (8-15%)
  • Timiza: 7.5% fee + excise duty

Always read terms carefully. Consider total repayment amount, not just fees.

Loan Calculation Results

NCBA Now Salary Advance
Amount Credited to You
KES 0
Loan Amount Requested
KES 0
4% Negotiation Fee
KES 0
20% Excise Duty
KES 0
Total Repayment
KES 0
Effective Cost
4.8%
Fee Breakdown
Loan Amount Requested KES 0
Negotiation Fee (4%) KES 0 4%
Excise Duty on Fee (20%) KES 0 20% of fee
Total Fees & Charges KES 0
Net Amount Credited KES 0
Total Repayment Due KES 0
Repayment Timeline
Today
Apply for NCBA Now salary advance via USSD or NCBA App
Within minutes
Instant approval and disbursement to your M-Pesa
Next salary date
Automatic repayment deduction from your salary

Effective cost = (Total repayment - Loan amount) ÷ Loan amount × 100. 4% fee + 20% excise = 4.8% total charge.

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