Access Bank Kenya loan calculator for Ksh 100,000 over 15 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 1,755
180 monthly payments
Estimated total repayment
Ksh 315,868
Ksh 100,000 principal + interest
Estimated interest
Ksh 215,867
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 2,171
For 180 months · incl. fees
Total repaid
Ksh 377,345
Principal Ksh 100,000 + Ksh 277,345 extras
Effective APR
27.24%
Advertised rate 19.98% · 215.9% interest on principal
Repayment mix over 15 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 19,876 | Ksh 1,182 | Ksh 98,818 |
| 2 | Ksh 39,492 | Ksh 2,624 | Ksh 97,376 |
| 3 | Ksh 58,793 | Ksh 4,381 | Ksh 95,619 |
| 4 | Ksh 77,708 | Ksh 6,523 | Ksh 93,477 |
| 5 | Ksh 96,154 | Ksh 9,135 | Ksh 90,865 |
| 6 | Ksh 114,028 | Ksh 12,319 | Ksh 87,681 |
| 7 | Ksh 131,204 | Ksh 16,201 | Ksh 83,799 |
| 8 | Ksh 147,529 | Ksh 20,933 | Ksh 79,067 |
| 9 | Ksh 162,817 | Ksh 26,703 | Ksh 73,297 |
| 10 | Ksh 176,841 | Ksh 33,737 | Ksh 66,263 |
| 11 | Ksh 189,323 | Ksh 42,313 | Ksh 57,687 |
| 12 | Ksh 199,926 | Ksh 52,768 | Ksh 47,232 |
| 13 | Ksh 208,237 | Ksh 65,515 | Ksh 34,485 |
| 14 | Ksh 213,755 | Ksh 81,055 | Ksh 18,945 |
| 15 | Ksh 215,867 | 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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