ABSA Bank Kenya loan calculator for Ksh 100,000 over 20 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 1,352
240 monthly payments
Estimated total repayment
Ksh 324,574
Ksh 100,000 principal + interest
Estimated interest
Ksh 224,574
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%.
Change loan details
Edit the values below; results update instantly.
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 1,694
For 240 months · incl. fees
Total repaid
Ksh 391,496
Principal Ksh 100,000 + Ksh 291,496 extras
Effective APR
21.33%
Advertised rate 15.48% · 224.6% interest on principal
Repayment mix over 20 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 15,425 | Ksh 804 | Ksh 99,196 |
| 2 | Ksh 30,715 | Ksh 1,742 | Ksh 98,258 |
| 3 | Ksh 45,850 | Ksh 2,836 | Ksh 97,164 |
| 4 | Ksh 60,803 | Ksh 4,112 | Ksh 95,888 |
| 5 | Ksh 75,544 | Ksh 5,599 | Ksh 94,401 |
| 6 | Ksh 90,038 | Ksh 7,335 | Ksh 92,665 |
| 7 | Ksh 104,243 | Ksh 9,358 | Ksh 90,642 |
| 8 | Ksh 118,111 | Ksh 11,718 | Ksh 88,282 |
| 9 | Ksh 131,587 | Ksh 14,471 | Ksh 85,529 |
| 10 | Ksh 144,606 | Ksh 17,681 | Ksh 82,319 |
| 11 | Ksh 157,091 | Ksh 21,425 | Ksh 78,575 |
| 12 | Ksh 168,953 | Ksh 25,792 | Ksh 74,208 |
| 13 | Ksh 180,089 | Ksh 30,884 | Ksh 69,116 |
| 14 | Ksh 190,378 | Ksh 36,823 | Ksh 63,177 |
| 15 | Ksh 199,680 | Ksh 43,750 | Ksh 56,250 |
| 16 | Ksh 207,830 | Ksh 51,829 | Ksh 48,171 |
| 17 | Ksh 214,637 | Ksh 61,250 | Ksh 38,750 |
| 18 | Ksh 219,878 | Ksh 72,239 | Ksh 27,761 |
| 19 | Ksh 223,291 | Ksh 85,054 | Ksh 14,946 |
| 20 | Ksh 224,574 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.