ABSTRACT Purpose: This study aimed at determining how check-off lending, group lending, collateral lending and mobile lending affects the financial performance of commercial banks in Kenya. A descriptive survey research design was employed in the study with the target population comprising of 12 commercial banks listed in Nairobi Securities Exchange. Methodology: A total of 48 employees in the credit and lending department in the selected commercial bank formed the target respondents and with the study utilizing both primary and secondary data.  Primary data was gathered through five point Likert scale questionnaires while secondary data was collected from audited reports and CBK financial reports for the period between 2017 and 2021. Both descriptive and inferential statistics were utilized in analyzing the data collected. SPSS and multi-linear regression model were used to analyze the data and which was presented by use of tables and figures. Findings: The study established that check-off lending, group lending, collateral lending and mobile lending positively and significantly affects financial performance of commercial. The results bear the implications that increasing the any of the independent variable with one unit results to an increase in the levels of financial performance with the respective beta value. Unique contribution to theory, practice and policy: The study provides that commercial banks’ performance can be enhanced through various lending practices that formed the independent variables of this study and hence resonates with commercial banks to take lending seriously as it is a cash cow to their products’ offering.