ABSA Bank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a ABSA Bank Kenya loan using the current 15.48% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,643
120 monthly payments
Estimated total repayment
Ksh 197,144
Ksh 100,000 principal + interest
Estimated interest
Ksh 97,144
At 15.48%
Current ABSA Bank Kenya loan interest rate
ABSA Bank Kenya is listed at 15.48% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
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Loan details
KESCentral Bank of Kenya · May 2025
-0.51 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,984
For 120 months · incl. fees
Total repaid
Ksh 230,349
Principal Ksh 100,000 + Ksh 130,349 extras
Effective APR
21.96%
Advertised rate 15.48% · 97.1% interest on principal
Repayment mix over 10 years
Early payments lean on interest; later ones clear principal.
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 100,000 |
| 1 | Ksh 15,166 | Ksh 4,548 | Ksh 95,452 |
| 2 | Ksh 29,576 | Ksh 9,853 | Ksh 90,147 |
| 3 | Ksh 43,104 | Ksh 16,039 | Ksh 83,961 |
| 4 | Ksh 55,604 | Ksh 23,254 | Ksh 76,746 |
| 5 | Ksh 66,904 | Ksh 31,668 | Ksh 68,332 |
| 6 | Ksh 76,805 | Ksh 41,482 | Ksh 58,518 |
| 7 | Ksh 85,074 | Ksh 52,928 | Ksh 47,072 |
| 8 | Ksh 91,440 | Ksh 66,276 | Ksh 33,724 |
| 9 | Ksh 95,586 | Ksh 81,844 | Ksh 18,156 |
| 10 | Ksh 97,144 | Ksh 100,000 | Ksh 0 |
What affects repayment?
Monthly repayment depends on loan amount, term, lending rate, processing fee, insurance and excise duty on interest.
Longer term tradeoff
A longer term can reduce monthly instalments but usually increases total interest paid over the life of the loan.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.