Access Bank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Access Bank Kenya loan using the current 19.98% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,931
120 monthly payments
Estimated total repayment
Ksh 231,748
Ksh 100,000 principal + interest
Estimated interest
Ksh 131,748
At 19.98%
Current Access Bank Kenya loan interest rate
Access Bank Kenya is listed at 19.98% 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
+3.99 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,348
For 120 months · incl. fees
Total repaid
Ksh 272,191
Principal Ksh 100,000 + Ksh 172,191 extras
Effective APR
27.63%
Advertised rate 19.98% · 131.7% 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 19,671 | Ksh 3,504 | Ksh 96,496 |
| 2 | Ksh 38,573 | Ksh 7,776 | Ksh 92,224 |
| 3 | Ksh 56,540 | Ksh 12,985 | Ksh 87,015 |
| 4 | Ksh 73,365 | Ksh 19,335 | Ksh 80,665 |
| 5 | Ksh 88,798 | Ksh 27,076 | Ksh 72,924 |
| 6 | Ksh 102,535 | Ksh 36,514 | Ksh 63,486 |
| 7 | Ksh 114,203 | Ksh 48,020 | Ksh 51,980 |
| 8 | Ksh 123,350 | Ksh 62,048 | Ksh 37,952 |
| 9 | Ksh 129,423 | Ksh 79,150 | Ksh 20,850 |
| 10 | Ksh 131,748 | 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.