Lending is a risky principal business activity for banks as repayment can seldom be fully guaranteed. The study seeks to examine impact of borrower character on loan repayment in commercials Banks – in Kakamega town, Kakamega County. It examined impact of borrower character on loan repayment in commercial banks within Kakamega town. A cross-sectional survey design with a sample of 105 respondents was selected using purposive sampling and simple random sampling. The study may add to the already existing literature on effects borrower character, and loan repayment; enable commercial banks identify the credit management policies that are critical in the lending business; lending policy formulation and assessment of its loan risk management abilities ; may provide guidance to the Central Bank and other regulators in the credit risk management, policy formulation and to stimulate further research into the area of lending policy formulation and performance of loans. A self-administered questionnaire was used to collect the data, processed and analyzed using the Statistical Package for Social Sciences (SPSS V22). It has been established that there is a strong positive relationship between borrower character on loan repayment. Evidence from the study suggests that borrower character greatly influences loan repayment.